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Most people with bad credit want to fix their credit fast. “What is the fastest way to repair my credit?” is one of the most common questions I get asked. As much as I would like to help them have your credit repaired by tomorrow, it’s just not going to happen. For most clients, I usually reply with something like “It took you years to mess it up, it’s not something that can be fixed over night.”

However, as a credit repair specialist, it is my job to come up with the quickest, most effective way to repair my client’s credit. The first thing I do is evaluate their situation. Just how bad is it? Where are we and where do we need to be? How many positive accounts do they have reporting, if any? For how long have those accounts been reporting? Depending on the answers to these questions, there is always something that we can be working on.

If there are only a few negative marks on their credit, I can usually have it fixed within 30-60 days. I’ve seen credit reports with more than a hundred negative marks. Reports like that take much longer – usually 6 months to a year – sometimes even longer.

While you’re in the credit repair process, it’s important to understand how you got where you are. It’s important to recognize your mistakes and make the appropriate life style changes to make sure that you never get yourself in this situation again. It’s a learning process. If you don’t learn from your mistakes and make the necessary changes, you will find yourself in the same situation and credit repair won’t help your situation long term, it will only be a temporary fix.

To learn more about fast credit repair check out the top credit repair companies online!

 
Post is included in group: Credit 101
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6 Comments on Fast Credit Repair

vEry good information Chane, welcome to the rain

02/04/2008 05:13 PM by Dave Woodson (Indigo Financial Group Inc.)


You make an excellent point that a problem created over time cannot be cleared up in an instant! 

02/04/2008 05:15 PM by Wayzata Lakes Realty: Eric Kodner Sells Luxury Homes


Chane, it is hard to reform someone who does not pay thier bills.  Thanks for the post!

02/04/2008 05:32 PM by Lynchburg, Roanoke & Danville Area Nannette Saunders ASSOCIATE BROKER (Bradner, Farmer, Towler and Associates)


I agree with the above comment by Nannette Saunders~ Also Eric Kodner that it takes time to repair credit, there's not quick fix.

Patricia Aulson, Realtor   Hampton NH Real Estate 

02/04/2008 05:40 PM by Patricia Aulson (PRUDENTIAL RUSH REALTY)


I like to use the analogy of gaining weight....easy to put on but much harder to get rid of for good! Doesn't everyone want a "quick fix"? I like the points you made about education, very informative post!

02/04/2008 05:52 PM by Diane McDermott, Real Estate Broker, Charlotte NC, South Charlotte Specialist (REALTOR®, Landis e2 Real Estate, LLC)


Hey Chane.  You've put together some great posts here on credit repair.  I see so many clients with trashed credit and I think what they are all looking for is some HOPE.  Not false hope, but just a realistic game plan on how to get themselves out of the mess they're in.  Keep up the great writing.

02/04/2008 07:43 PM by Mike Tullio, Blue Skye Lending


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Account Exec: Chane Steiner (AAA Credit Guide)
Chane Steiner
Mishawaka, IN
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