How Long Does it Take to Repair Credit?

The magic question. “How long to repair credit?”

When consumers join a credit repair program, one of the first questions they ask is how long does it take to repair my credit?

The simple answer is that it depends on what your credit profile looks like and what your current situation is. The more derogatory information that are showing on your credit reports from the three bureaus, the longer it will take to repair your credit.

With that being said, we will take all the data we have from the last 10 years and come up with an average. The average amount of time that a client stays in a credit repair program is seven months. That number comes from using and benchmarking the data, from all the companies that we have used. In our company’s founder’s situation, he had over 60 derogatory items so overall, he ended up repairing his credit for over a year and 1/2. But he did do it successfully. If you have a lot of negative items, it takes time and persistence.

One thing to keep in mind, is that if you are having difficulties and are behind in your payments, some other derogatory items may appear on your credit profile as you are going through the credit repair program. New items may get listed from your creditors or collection agencies or however you still owe. And if you want to remove them, that of course will take more additional time. So, it’s a great practice to try to make your payments on time while repairing your credit.

Newer (recent) debts that appear on your credit reports can prolong the process

When enrolling in a credit repair program, another helpful hint to keep in mind is that newer debts affect your score a lot more than older debts. That is another reason to try to keep up to date on your payments while you’re going through the program

To completely repair really bad credit, it may take a number of years, especially if you’ve filed bankruptcy previously. However, that’s not to say that your credit won’t improve over a moderately short period of time. In 9 months, your score could still transform from a 550 to a 680 or better, even with the bankruptcy (a significant improvement). But with some luck by using one of these highly recommended credit repair companies, you could even get the bankruptcy removed.

Here is the best final answer as an average

So, all in all the average is around seven months to significantly improve your credit.