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  1. OK. I have paid off all of my past debts and only have a car loan and a credit card that is also current and paid off each month. How long will it take to raise my score from 582 to a much higher score?

    • Rick, it depends on many factors, including your debt to income ratio, your credit history, and other factor. That said, you are on the right track and your credit score should start improving if you continue on this path.

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