In a couple months I will have all my ccards paid of and all vehicles in my name paid off, the only thing on my credit report will be my school loans that I am still paying on. I was actually in a debt repayment program with most of my credit cards but have paid them all back for an amount less than their actual balance. My question is, now that all this will be paid how long will it take for my credit to boost back up into good standings?