I am 21, and I applied for a loan. I was not approved, so I looked up my credit report, and my score was 583. It turned out that I had some medical bills that had gone to collections. I didn’t have any cash, so I paid them off with my credit card. I now have about $ 5000 in credit card debt, and the collections bills have been paid off, and I make about $ 500/ month payments on my credit card. How much will my credit score improve?