<prompt> Human: I know little to nothing about credit, but in the past few years have started a good paying career and am looking to get my credit up to 700.I only have 3 things against my credit right now, one being a medical bill, a past phone bill I stopped paying, and a 300 limit credit card I got in 2011.How do I turn my 525 into a 700, and how long can it take to get to 700 from here? Months? Years? I get denied for basically everything and I want to turn that around!I know getting a secured credit card will help, but will getting multiple secured cards help speed things up?Does my credit score go up when I pay off my current debts? What other avenues can I take to quickly up my credit score?Excuse if this is a topic already addressed but search feature is down right now so couldnt find a post to read up on!  <response>: You may find these links helpful:- Credit-related wiki pages- Credit Reports- FICO Credit Scores- Improving Credit Scores and Building CreditI am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 