<prompt> Human: Hi rpf, been lurking for some time and finally decided to ask the question that been eating away at me. How do I rebuild my credit after getting an R9 paid in full on my credit report?Can I have that R9 removed since I paid it off completely ?How long do I need to wait for my credit to be good enough before applying for a mortgage ?  <response>: You cannot have it removed as it is classifying that it was a revolving account R under code 09 charge-off or collections. Since it has been paid in full, nothing will change. As you build good credit around it and as the item ages, your credit score will improve. In 7 years it will no longer exist on your report. As far as being good enough to apply for a mortgage, thats an individual question and based on your other credit history. Youll have to track your score to see where it goes. Itll hurt your score, no doubt, but the more you build up good credit history, the better itll get. 