Bad credit advice...

I have the app "clear score" my credit is finally going up but is only (190) this isn't great but better then what it was before.

If you pay back the people and start getting rid of loans does it automatically start going up and improve? How does this work?

For example my credit is 190. I've set payments via direct debit up monthly. Say I pay them all correctly monthly what would my credit be roughly in a year?