Smart consumers realize that keeping a great credit score is essential these days, saving them huge dollars on credit cards and home loans, auto financing, student loans, insurance premiums and more.

And while the best course of action is to enlist the help of a reputable, legal credit repair company like Blue Water Credit to help you supercharge your credit score, there’s still the question of how long it will take.

In fact, we get this question a lot when consumers are looking to buy a house in the near future and need to start repairing their credit in order to qualify for a home loan.

Of course, every case and credit file is different, and a lot varies on the negative information that needs to be addressed as well as how quickly creditors respond.

But we do have some general insights when it comes to the timeline of credit repair:

No matter what your situation, where your credit score is starting, or if you’ll enlist the help of a firm like Blue Water Credit or go it alone, the first step in the credit repair process is always to thoroughly review your credit reports.

With Blue Water Credit, we can do this thoroughly and accurately within a 20-minute consultation that’s completely free, but other consumers may take longer if they don’t know where to go for their credit reports or aren’t sure how to analyze each line.

Once we know exactly which items and accounts are reporting negative and hurting your credit, the next step in the timeline is to write dispute letter for each of those, including supporting documentation that shows why credit report has it wrong.

Once again, the timing of how long this step takes will vary widely based on the consumer, the credit repair firm, how experienced and diligent they are, and the number of accounts or items that need to be disputed.

There are two ways you can submit these disputes: online or via the mail. While submitting the disputes online is much faster, I recommend sending them to the credit bureaus using registered mail, so you’ll get an official confirmation of receipt and proof of delivery.

Either way, once the credit bureau receives your dispute, the clock starts ticking on how long they have to process your case and respond. In fact, according to the Fair Credit Reporting Act, the credit bureaus have 30 days to contact the creditor in dispute and verify that the information is correct.

If they can’t (or don’t) verify the information they’re reporting to the credit bureaus, the item will be amended or come off of your credit file, which is the basis of how credit report works.

After that initial thirty-day period, the creditor will respond with a letter and the results of the dispute, or possibly request more documentation and information, which can extend the timeline.

But let’s assume that your dispute was successful, and the creditor couldn’t or didn’t respond with proof that backs up their negative reporting.

Congrats! However, don’t celebrate just yet, as you’ll need to submit a dispute to each of the three credit bureaus separately – and that’s just to address one negative item! If you’re like most people who may have several negatively reporting items or accounts or other inaccurate or outdated information on your credit report, you’ll have to submit a dispute and go through this process for each and every item.

Ideally, you’ll submit all of these simultaneously, so the timelines are overlapping, not sequential, saving you valuable time.

And if the dispute turns out to be unsuccessful, you have the option of resubmitting a dispute and going through the whole process again, hoping the creditor will fail to adhere to the timelines or procedures this time, producing a better result.

As you can see, the timelines for credit repair vary widely, so one person may see significant results within 90 days while another may take six months.

Likewise, the process of improving your credit score doesn’t just stop with disputes, as knowing which accounts to close, pay off, what debt to allocate or transfer, and even opening new, positive accounts is part of the whole credit repair plan.

Even if you can’t get serious negative items like foreclosures, bankruptcies, and judgments expunged from your credit, we can counter by opening secured credit cards and making sure other accounts like rent and utilities report positively, improving your score

In general, most of our clients see a significant credit score improvement within 3-6 months, and then a more gradual, organic credit repair process can keep going for another 3 months or so.

But all of this depends on being organized, knowledgeable, and working hard to make sure the credit repair timeline is as tight -and successful -as possible! If you want to check more tips on how to increase your credit score fast, check out our fast credit repair page and download our book!


Please contact Blue Water Credit if you have any further questions or would like help!