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The Truth on Credit Restoration, Credit Repair and How Long to Repair Credit Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances when accompanied with Credit Coaching and Credit Education. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. How long to repair credit is really the question and that will depend on your situation. If you are looking for FHA credit or credit to obtain a FHA loan that will be different than someone who wants their score high enough to realize the benefits a 720 credit score can give you.