<prompt> Human: Throwaway because idiotHey guys, Im in my late 20s and Im happy to say Im finally out of debt. The main reason for my debt is because I was an idiot with my spending. The second factor is that my previous company screwed me out of a large bonus, which I planned to use to pay off my credit cards. I ended up attributing a massive 35k in credit card debt! I switched companies last year, and my 2015 earnings fell significantly, but I knew they would pick up in 2016. Im on track to make 250K this year, and my first bonus was paid out in March for 45K after taxes -- I immediately paid off my credit cards. Before paying the debt in full, I made the minimum payments.My questions:1 Im on multiple debt relief mailing lists. When will I stop receiving these letters?2 When can I expect my credit score to increase?Thanks for reading. I appreciate any feedback. BTW - Ive learned a valuable lesson and will never spend money I dont have.  <response>: 2 years for the mailing lists to SLOW down, a couple months for the credit score to increase IF you keep the credit card open and spend for just gas and pay it off each month. Otherwise if you have normal car loans and such then it should start going up after a couple months. 