Advice on length of time needed to raise my credit score! Please help!?

I am a 21 year old college student working a part-time job, and have accumulated nearly $3,900 in credit card debt. My debt is spread out among 6 different cards. About 3 months ago, I hit a rough patch and missed several payments. I was recently able to save up $3,000 which I will be depositing into my bank first thing tomorrow morning, in order to pay off some of this debt. I just checked my credit score and was almost brought to tears when I saw that it was in the mid-500s. I am well aware that I have no one to blame for this but myself, but I am desperately seeking some advice on how to raise this credit score. I have learned my lesson and am trying to fix things. I was just wondering, considering I pay off the remaining $900 in the next 2 months and spend more wisely from here on out, how long do any of you think it will take to raise my score to about 600-650?

Any answers are greatly appreciated!

Advice on length of time needed to raise my credit score! Please help!?

Unfortunately, only time will raise your credit score. If you pay off the cards, it should raise your score about 20-30pts. There isn%26#039;t a fast fix in raising your score. Keep making on time payments and it will slowly go up.

Advice on length of time needed to raise my credit score! Please help!?

My boyfriend had the same problem. First pay off all your credit cards. The leave a couple open and charge only necessary items such as gas and groceries. Pay your bill every month. This will raise your credit score in a couple of years from poor to excellent. His went from 540 to 780. Guanteed to work. You must not spend and not pay ever again.

Advice on length of time needed to raise my credit score! Please help!?

Hi,

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