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Annasulli

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how long it takes to improve credit score and how many points do i get afer paying the accounts
how many points do i receive after paying late accounts?

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without knowing your credit profile no one can answer that question for you.  As far as paying off items on your credit report, well that is a different.  The damage has been done.  So the fact that you paid them off will have no affect on your score.  What I would do is do some research on "Goodwill Letters" and start working on those. 

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