I recently paid a Collection in full, settled a Capitol One CC, Currently paying $50 month on a Doctor bill.(All debt is now only $200) (How do I get these removed from my Credit) I have a First progress CC with $300 limit, Authorized user on a Discover CC 15k, and Authorized user on Wells Fargo 17k. My Fico is 579 , trying to see how long it will be before my score rises. Been working on this for about 4 months now.