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Your credit rerpot is updated monthly by lenders. As you pay this debt down, every month it will be rerpoted that your balance is lower. So every month your score will improve because not only will you have an on-time payment (which gets you a couple of points) but you will increase your debt to available credit ratio, which will also get you points. If you pay that entire debt off all at once, you could see a 20+ point jump in your score in a month. There are calculators online that will allow you to see what would happen if you change things about your credit rerpot. Bank of America has one, but I think you have to sign up for their credit monitoring to use it.Do *NOT* cancel any unused credit cards. It will lower your FICO score. Part of your credit score is determined by the ratio of your outstanding balances to your available credit limits. If you close accounts, this number goes down and so does your score!


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