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How long before it reflects all that hard work you’ve done, faithfully paying your bills on time?

The answer may surprise you because there is no single, exact deadline or formula.

Still, as with your scenario, you would expect the more recent scores to be higher than the older scores given that you're cleaning up the information on your credit reports.

If I were you I wouldn't focus so much on the changing of the scores as much as I would focus on the changing of the credit reports.

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