can you tell after how much time prior should I check score after paying back debt?

Hey, it takes at least 2-3 months. The impact can feel like it should be immediate, but that’s not the case. Even if your balance becomes $0 today, it won’t be reflected on your credit report and credit score until your lender reports the payment. Lenders generally report activity monthly to credit-reporting agencies.

You will have to wait for some time before it gets reflected in your credit reports. Also, if you're talking about increase in your credit score, it depends on a lot of factors. For example, it won't help you much to impove your score if there are other negative items in your credit report. Also, check out for errors in your reports, and if any, dispute it with the agencies and bureaus immediately.

You can check your credit report free of cost until March. So, you can check your credit report anytime you want. But as others have said, it takes almost one or two billing cycles to update your credit report. Your credit score should improve if your credit utilization rate has dropped significantly.

Hi Joserrph! Your credit score won't increase suddenly. It takes a certain amount of time after you pay off debt to increase your credit score. So, wait for around 3 to 4 months and check your credit score. In the meantime, you can charge your credit cards for small amounts. And make sure to pay off the outstanding balance amount in full and on time. Hopefully, you will notice an improvement in your credit score.
Lastly, don't opt for a mortgage loan just because the interest rates are low now. Go through your finances once and make sure that you will be able to make the monthly mortgage payments.