Repair Credit Score

Question: Why is my Credit Score da same when i have payed my debths already and they have also reported 2 da angency?

the acounts are reported as closed and payed in full/or settled but the Credit Score hasn't changed...why??? I had like 13 acounts and 2 r still open....the rest are closed they were charged off etc but now i have payed them all....and the Credit Score is still the same??? i am trying to contact them but no luck b/c of the automated system...
how much time do i need?

Answer: It's gonna take TIME for your score to improve. You've paid off some old "bad" debts but that bad information still remains as part of your credit history. What you need to do now is start demontrating "good" credit behavior, with a secured card if necessary.

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