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Scottiesmith12

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pay off everything hurting my credit
if i payoff evrything hurting my credit *** long will it take to make my credit score go up?

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First, be sure it IS yours!!

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First thing to check is if everything on your credit reports IS yours!  Go to freeannualreport.com and get copies of all 3 credit reports.  Go over them thoroughly and, if something listed is not yours, file a dispute with the credit bureau reporting that item.  They have to investigate and either verify or remove the disputed item.  Make it a habit to do this credit checkup every year and don't be quick to make payments unless you KNOW it is your account.

Any negative remark on your credit report that IS yours will disappear in 7 years, but, if you make it a habit from this day forward to make regular payments on your accounts, the positive record will begin to carry more weight than the negatives.

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