Removing debt from credit score can't happen.  Credit score don't have debt.  The right question would be: How long does paying down debt take to increase your credit scores? 

If you pay down debt and get the creditor to send you a letter on company letter head, proving the pay down, you can do what is called a rapid re-score and get the credit scores increased in about 4 days.  The raped re-score is done though a credit report company and they sent the letter from the creditor to the three credit bureaus and have the report re-scored.  With today mortgage programs having risk pricing associated with them being able to re-score the credit report can safe your clients thousands of dollars over the life of the loan. 

Be prepared for sticker shock.  The cost to do a re-score is expensive.  I have seen a re-score cost over $300.00.  Each trade line at each credit reporting company costs about $45.00.  So to pay down one credit card and have each of the tree credit report agencies update the trade line and re-score is $135.00, but over the life of the loan it is worth the cost.

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It's difficult to really judge what is being asked in this question, but I'm going to assume that you mean old debt that has been paid off.  MOST standard credit lines, IE credit cards, old car loans, etc will be removed after 7 years.  If it's a Foreclosure or Bankruptcy, they are typically 10 years.  Judgements and Tax Liens can technically stay forever if they aren't resolved and the creditor refiles them. 

If there are items on your credit that are reporting incorrectly and you are hoping to get them removed prior to this time frame yIt's difficult to really judge what is being asked in this question, but I'm going to assume that you mean old debt that has been paid off.  MOST standard credit lines, IE credit cards, old car loans, etc will be removed after 7 years.  If it's a Foreclosure or Bankruptcy, they are typically 10 years.  Judgements and Tax Liens can technically stay forever if they aren't resolved and the creditor refiles them.

If there are items on your credit that are reporting incorrectly and you are hoping to get them removed prior to this time frame you will need to dispute these items.  I've pasted below the links that you can use to access the credit reports from each individual bureau.  These will allow you to access a free credit report from each one.  Be sure to only get Equifax from Equifax...Experian from Experian...and Trans Union from Trans Union.

Here are the links for you to review

Trans Union - https://annualcreditreport.transunion.com/tu/dispute/order.jsp?package=DisputeDisclosure

Experian - https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDI

Equifax - https://aa.econsumer.equifax.com/aad/landing.ehtml 

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This is a very good question and the answer is: It depends on what you mean.

Each of your accounts will remain on your credit report for up to 7 years.  This would include debts that have a $0 balance.  The reason for this is that a credit report is designed to rate your credit usage not just your current debt load.  Your payment history will impact your score even after your balance has been paid off.

If you pay off or pay down a debt, the updated balance usually takes 30-90 days to be reflected on your credit report.  It is not removed, but the resulting score will be recalculated based on the updated information.  Most credit providers offer an option called a rapid rescore.  They will verify accounts to speed up the process of updating your score.  This process usually takes 1-2 weeks.

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