Most people, when considering credit repair, start out with the same question. How long will it take?

Unfortunately, there is not a definite answer. In credit repair, every situation is unique. Even two identical credit files would take different amounts of time to repair.

When I started the process, I had four collection accounts and three regular accounts reporting negative. I also had six older and paid accounts that reported good.

I was able to have all of the negative accounts removed, get several unsecured credit cards and obtain a mortgage in less than a year. And everything on my credit report was being accurately reported so that wasn't just cleaning up honest mistakes.

Maybe I was just lucky, but you need to be prepared to fight the fight for at least a year.

As a way to guesstimate how long it will take you to repair your credit file, figure on 1 deletion every 30 days. If you have 10 accounts you need to get deleted, expect at least 10 months.

With credit repair it is important to know what you are getting in to. Having a good idea as to what time frame you can expect for the credit repair process will help you stay motivated and provide you with a very achievable goal.

It probably took several years for your credit to deteriorate to where it is now. No matter what promises you read, it will take at least several months to return it to good credit health.