How long does credit repair take?

How long does credit repair take?

There is no definitive timeline for credit repair, as the process varies based on each person’s credit needs. How many negative items you have, what kind of negative items they are, how quickly your creditors and the bureaus respond to challenges - these are all factors that will influence your unique credit repair case.

Credit bureaus are required to respond and resolve credit disputes within 30 days - sometimes 45 days in special circumstances. Though that seems like a short timeline, the average consumer may have multiple errors that need to be challenged, so it could end up taking anywhere from three to six months.

We can report that 87% of Smart Dispute clients had an average increase of 40-100 points in five months, but there are no guarantees when it comes to fixing credit. Just remember, improving your credit takes time, and you may not see results right away. That being said, Smart Dispute will do everything possible to help push your credit in the right direction.

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