Understand that credit repair is a process, just like any other thing you do. Timing is based on how you do it. It took me about 1 year and half to repair my credit as well as my wife, about 10 years ago. With the knowledge that I have now it would have taken about 6 months. You have 2 options to repair your credit. Hire a professional to do it I am here to help, or to do it on your own this is why I created DIY credit repair program this will cut down time and help with your understanding of credit repair from start to finish. The last thing you can do is nothing. Remember that doing nothing keeps you in the difficult situation. Take action and learn.