How fast will your credit score go up after you pay off all your debt?

Your credit score will actually go down for 2-24 months after you pay off "all of your debt" as you asked in your question. Your score will only go up if you "pay down your debt". Pay your revolving credit card debts down to 25% of your high credit limit to have the best credit scores. Never pay off the revolving credit cards completely - that results in the lower score for your payment history window. All 3 credit bureaus rate the majority of your credit history over the past 24 months only. Only judgments, tax liens and bankruptcies extend beyond the 24 months history window, but they even have less impact on your credit score the older they are. So, if you have an old collection account that has had no activity on the account (remains unpaid) in over 24 months, if you pay it off you will bring it back into the most recent 24 months payment history window and cause your credit score to actually drop. Moral of the story: If it's over 24 months since the last date the creditor reported anything at all, then don't pay it off. Only pay off derogatory items like judgments, tax liens and collections that have activity reported in the past 24 months. Your score won't go down any further... and it might go up. Remember, the information that goes into the credit report comes from your creditors. So, if you pay off a debt and they fail to report that you paid them, your credit score won't change at all, it may even go down. Make sure you insist the creditor report that the account is paid. Paying a debt doesn't mean it's paid until the credit report shows it's paid. That's just the way it is.