Yes your credit scores go up (or down) almost immediately after you made a change (paid debt, made large payment or took a loan-that would lower your score). If you monitor your credit scores, you could see it going up or down all the time. So if you pay your debt, your score will go up almost instantly. It might not become exceptional right that month but will rise rapidly.

Your debt is small. It’s not extravagant.

Your bankruptcy is long gone. It only stays on your record for 7 years. My husband had bankruptsy (before my time), and it doesn’t affect us at all. He has exceptional credit score.

Suggestions re bringing scores up. Pay on time, keep balance low, don’t have too many cards, don’t open new cards, only use the cards you already have.

To qualify for high limit cards you have to have high salary. With lower salary banks aren’t going to offer high limit cards because they know that you cannot pay. Now, honestly you don’t want high limit cards. It just means you can charge more. Bad idea

Also you can have debt and still have exceptional or very good credit score. If you pay on time and more than a minimum every month and your balance isn’t too high and you don’t have too many cards. I have some debt yet I have exceptional credit score.

You can do it!