Debt & Credit
How to Rebuild Credit After Paying Off Debt in 2026 (6 Steps to Boost Your Score)
Quick Answer: After paying off debt, rebuild your credit by keeping old accounts open, holding utilization under 10%, adding a credit mix, and letting on-time payments stack up over 6–12 months. Most people see meaningful score gains within 90 days if they follow a consistent, deliberate strategy — not just