End-consumers and Realtors must check references of credit repair companies. There are good credit repair professionals, who emphasize proper handling of consumer credit, and not just short term tricks to remove derogatories. Many potential home buyers are only 3 to 6 months away from repairing their credit and qualifying for a home. However, time isn't the only factor. They must follow the advice of a professional to accelerate their credit repair and to avoid making simple mistakes that can cause big credit score setbacks.