<prompt> Human: So I finally paid off all of our credit cards that we have been avoiding for so long, about 13k between me and my wife. They were seriously crippling our finances and our credit scores. We are now 100 debt free. My question is how long does it take to get our tanked credit score in the green? What are some steps we can take to help expedite this process? Any advice would be much appreciated.Assistant: Are you planning on taking out another loan? If not, then I wouldnt worry about expediting your credit score up.If you have some bad marks or late payments on your credit report, you can try and write a letter of good will to see if the company can have those marks removed.Human: No plans on taking a loan out for the next couple years. I just want to have a good credit score so I can feel good about myself.  <response>: Hahaha, your honesty just made me burst out laughing. And now my coworkers think I have some form of turrets.I totally get that actually. Some people say to have a little bit of utilization on the credit card... like less than 8 or something. Keep it up though. And be happy that your DEBT FREE!!! 