<prompt> Human: So, due to a divorce I just finalized the sale of what was our house and had enough money to pay off both our joint credit card debt and my student loans. One of the factors in my credit score was the ratio of debt to earnings and now with all of this being paid off, I am aside from my car loan debt free. Yay! I am in the market for a new credit card for work. They reimburse expenses, so I want a card I can get airline reward miles on since I will be paying it off every month regardless. I want to maximize the quality of the card by applying once my credit score has updated. That said, how long will it take for the credit score to be updated to show that I have paid off all of this debt?  <response>: Depends, negative info on your credit report, tends to show up right away or by the next billing cycle at the most. Positive info tends to take a couple of months...go figure. 