I am paying off my debt within the next few months, mostly credit cards. I have had a large increase in my income this year, however, my credit score is pretty low due to slow paying on some of these accounts in the past 2 - 8 years for various reasons. What can I do in the immediate to raise my credit score or is it going to take years to get it built back up? I have never had any bankruptcy or anything like that, just slow 30, 60 days on a few accounts. I was recently told by a creditor that my score was low becuase of these slow pays in the past. Any advice is appreciated.