That’s a question that fringe or illegal credit repairers will try to use against you. Unfortunately, anyone can become a credit repairer and make promises that all people can get all their late payments, charge-offs and bankruptcies deleted from their credit reports before the legal time they are supposed to drop off. People like that make my job harder. Here is the answer to the question.

Depending upon a person’s unique financial situation, it could take 3,6,9,12 or more months to put a person’s credit back together. Although there is a lot of information on the Internet about fixing people’s credit overnight (30-90 days), it is usually done by using lies and false interpretation of laws. If you really want to know how long it will take to fix your credit, go to the products tab and get your copy of My Credit is Bad! I want to Fix it Now! (Revolutionary Credit Repair).