Carme V pyta:
How long does it take to rebuild credit?

I just recently paid off all my past credit card debt. I paid off one student loan (expect the interest) and i have one student loan still active. I noticed my credit score went up, but i am still being denied. How long does it take to completely clear off my debt and how soon should i apply for credit so i can “rebuild” my credit. And do bad credit ever go away?