I would like to know how long it takes for your credit to come up. I just did a report and it said very low =( I paid off a whole bunch of debt a month ago and thought it might be a bit higher. Also, I had a debt of $ 800 from an old apartment. My roomate trashed it. I don’t want to pay the whole thing, its not fair. We were both on the lease. She wont pay her half. I paid mine, but it is still showing a $ 400 debt on my credit report. How can I fix it? And when and how can my credit score go up? Thanks..