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How do I raise my credit score in this type of situation?
I just payed off all my credit cards and medical debt which, combined, totaled around $12,500. Because I did this all in one big swoop, is it going to affect my credit differently than if I had done it a few at a time? Also before doing all of this my credit was "fair" at a 641, and I'm wondering how much it is going to raise now, and how long that's going to take. I've never had any late payments, but I've utilized almost 100% credit on all lines I ever had at all times, until now, everything is at zero balance. I had 3 medical debts that went in to collections and they are now all payed off as well. In 8 months I am looking at moving into a different apartment and I need my score to have increased significantly by then so I don't have to have a co-signer on the lease. Do you guys think this is possible?

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