Today I paid my credit card balances down to zero. I have three cards all with just $ 300 limits. The negatives on my credit report was accounts to new (1.5 years), balances to high and 2 collections from 2003 and 2005 both are reporting “paid”. I am in pursuit of a home mortgage. And I am roughly 30 points off my mark. I have paid all my bills on time for the 1.5 years with 1 30 day late. From this information can anyone based on experience give me a ballpark number on the possible amount of points that can be accumulated and how long will it take to show. I put the cards away to not make any charges.