If I take an action, like paying off all my credit card debt, how long will it take to impact my credit score?

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Most financial institutions report to the credit bureaus on a 30 day cycle. That means it should take anywhere from 1-30 days before your actions will be reflected in your credit scores. If you don't see it in 30 days, you should review your credit reports (annualcreditreport.com) for accuracy.

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Yes,I would also take it a step further & if I do not see a positive impact on my credit report after 30-45 days, I would write each of the credit bureaus and then call or write the creditor or bank in which I have the credit card with to ask them to report it to the bureaus as paid off, for a positive rating."

warking09 at 12:13 pm May 20

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How many points should it raise?"

AuroraRose at 9:19 am Apr 24

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