If you’ve recently cleared your bad loans but your credit score hasn’t improved, you’re not alone. Many users on PebbleScore ask this same question:
“I paid off all my loans last week. Why is my credit score still low?”
You’ve done the right thing but the results aren’t instant. In this post, we’ll explain why your score hasn’t moved yet, what’s really happening behind the scenes, and how PebbleScore’s Credit Booster can help push your score up faster.
Why Your Credit Score Hasn’t Gone Up Yet
Lenders Are Slow to Update Records
Even though you’ve made your repayment, most lenders don’t update your record immediately. Some send updates to credit bureaus monthly, others even less frequently. Until they update, the bureaus like CRC Credit Bureau, FirstCentral, and CreditRegistry still show that you’re owing.
So the issue isn’t the bureau — it’s that your lender hasn’t reported your cleared status yet.
2. You’re Not Building New Positive Activity
Credit scores improve with consistent, positive financial behavior. If you’ve paid off your loans but don’t have any new activity being reported, there’s nothing fresh to pull your score up.
3. Past Defaults Still Exist
Paying off a bad loan is great, but past missed payments still show. They may stay on your report for months or even years depending on the severity. You need new, positive actions to outweigh that old data.
How PebbleScore’s Credit Booster Helps
Your best move after paying off loans is to start building — and that’s exactly what the Credit Booster does.
Turn Airtime and Bills Into Credit Activity
When you pay for airtime, data bundles, or electricity bills, you’re already showing financial responsibility. The Credit Booster reports these activities to credit bureaus as credit-like behavior, giving you new, positive points.
Want to learn more about what’s on your report? Check out our guide:
➡️ How to Read Your Credit Report
Build a New Positive Track Record
With consistent reporting, your score can rise — even without taking a new loan. It’s the safest way to rebuild after a bad loan.
Stay Active While You Wait
Instead of sitting idle while your lender delays their update, the Booster keeps your report active, giving you a head start on rebuilding.
Why Credit Booster Is Worth It
- Only ₦500 per bureau
- Works across all three bureaus: CRC, FirstCentral, and CreditRegistry
- Helps both new users and those with bad loan history
Want to check all 3 bureaus at once?
➡️ Get Your 3-in-1 Credit Report
Final Thoughts: You’ve Paid — Now Let’s Boost
If you’ve already paid your loans, you’ve taken the most important step. But don’t stop there. Use the Credit Booster to make sure your credit score moves in the right direction.
👉 Ready to get started? Log in to your PebbleScore account and activate Credit Booster today.