How long does it take to rebuild credit?

Question by Carme V: How long does it take to rebuild credit?
I just recently paid off all my past credit card debt. I paid off one student loan (expect the interest) and i have one student loan still active. I noticed my credit score went up, but i am still being denied. How long does it take to completely clear off my debt and how soon should i apply for credit so i can “rebuild” my credit. And do bad credit ever go away?

Best answer:

Answer by lashga2003
you may want to get a copy of your report and see if there are some other negative factors effecting your report such as address, birthday, number of accounts open vs accounts in good standing, length of accounts, number of inquiries, etc. credit generally takes years to rebuild once it is messed up try for more info

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