Congrats on satisfying all your old debts, but as you said, just paying them doesn't make the baddies go away. You will need to send GW letters. I'll put a link below for you to do some research and formulate your gameplan. Let us know if you need any help. Good Luck.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Yes, I do suggest building new credit while cleaning your CRs. That's part of the rebuilding process. As far as how long it takes, YMMV, everyone is different but with hard work you could see significant increases in 6 months to a year.
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Starting Score: TU 500's EQ 560 Summer of 2012
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