How Long Does Credit Repair Take?

Written By Mary Beth Eastman
Last updated November 19, 2020

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February 14, 2019

Simple. Thrifty. Living.

Having a good credit history is an important way to show financial responsibility. Your credit score can affect many things from car loans and interest rates to the ability to get a mortgage — even utility bill deposits. Considering these factors, it is crucial for people with poor credit scores to repair this problem as quickly as possible. Fortunately, there are some relatively simple steps that can repair your credit without investing too much time and money.

As a general rule, it usually takes somewhere between a little over a year to seven years to turn a bad credit rating around. A number of factors affect this time frame, such as how old the missed bill payments or debts are, severity of problems such as foreclosures and repossessions, and recent activity. Plus, hiring one of the top credit repair companies can help, too. Here are the most common pieces of advice regarding quick fixes to repair credit.

The easiest way to get started is to make sure all of your current bills are paid on time. Staying consistent on existing obligations is an immediate way to start improving your credit score, while recent missed payments will take longer to repair. These positive results usually start to change your credit in about a year and a half.

Unfortunately, there is no timely solution for negative items on a credit report, as they stay for seven years before disappearing. Over time negative accounts on your score do have less of an effect, even before they totally disappear. The best solution to protect against negative items is to avoid missing payments or letting accounts go into collections. If you already have negative information on your report, recent history that shows responsibility will caused these to be weighted less.

You can check your credit report for any incorrect or unknown information and have it removed. This will show immediate results, especially if a number of wrong items are present.

There are a number of reputable services such as Lexington Law credit repair or Sky Blue Credit Repair that promise to start turning your credit around in as little as 90 days for a monthly fee. They will handle all disputes and give specific advice as to what you personally need to do to fix your score. If you have the extra money to spend, letting a company with expertise handle your credit may be the best solution. You can also check our review to read about one of the most popular services, or read our Credit Saint reviews if you are looking for a more affordable option.

About the Author

Mary Beth Eastman

Mary Beth Eastman serves as the content manager for Simple. Thrifty. Living, where she is dedicated to helping readers use money and credit wisely. Mary Beth believes that access to the right financial information paired with a growth mindset are essential tools for getting out of debt and building wealth. Mary Beth has a degree in Journalism from Bowling Green State University and has focused her 20-year journalism career on putting readers front and center, carefully considering their concerns and presenting information that will help them in their everyday lives. She has won numerous statewide journalism awards. Her writing on personal finance as been featured on numerous websites in addition to Simple. Thrifty. Living, including Huffington Post and Lexington Law blog. Mary Beth resides in Pittsburgh, Pa., with her family and two rescue dogs.

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