Credit Score Management

Okay I have two credit cards at 500 limit and last year I had to have some medical attention which caused me to use both credit cards I finished up using 85 percent of both of them and by that it cause my credit score to go down from 680 to 550 Now my question is I’m paying them both off this month and i want to know around how long before the credit company finds out and raises my score?

What happens to my credit score when I apply for a few credit cards and are not approved because they require brilliant credit? Does it affect my ability to get approval on another credit card? How long is this for?

I have 4 cards with balances on them and will be paying them off next month. How soon will that reflect on my credit score? These cards have been open for a year.

I’ve never had a credit card (although my credit sucks) and heard they’re a fantastic way to repair credit. Any tips?

I’ve never had a credit card (although my credit sucks) and heard they’re a fantastic way to repair credit. Any tips?