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How Long Will it Take to Repair Your Credit - Follow Our Credit Repair Timetable

Credit Repair Time Schedule

Last Updated: July 26, 2016

Buying a house or car in the near future means it is time to pull your credit reports and see if there are areas on them that need to be improved upon. There is nothing worse than filling out a loan application only to find out your credit score is under 600 and you are going to have to pay a double-digit interest rate or you are denied the loan altogether.

Fixing your credit does not have to seem like an overwhelming and daunting task. There is no better time than the present to get started on credit repair. But, if you are feeling overwhelmed by it all and tempted to hire a credit repair company, you're not alone. Many people get overwhelmed by the thought of repairing their credit. "There is so much to learn" or "I have a full time job" are the common excuses we hear everyday. Honestly, repairing your credit takes about 2-3 hours a month. Not only will you be able to find these few hours a month to devote to credit repair, you could save yourself hundred of dollars in credit repair fees by doing it yourself.

Do-It-Yourself Credit Repair Schedule

We've come up with a sample schedule to illustrate the amount of time you will spend repairing your credit. Obviously these time are estimated and some months may require more time than others depending on the shape of your credit. The point here is to show you how do-able credit repair is and the fact it really is only mere hours a month.

Month 1

  1. Reviewing your credit reports. (1 hour)
  2. Reading our articles on the credit repair methods. (30 minutes)
  3. Writing initial dispute letters to credit bureaus. (1 to 1-1/2 hours)
  4. Saving copies of all the letters you are mailing. (15 minutes)
  5. Mailing dispute letters. (15 minutes)

Total:  3-1/2 hours maximum

Month 2

  1. Collecting letters from credit bureaus and filing them as them come in. (15 minutes)
  2. Gathering your responses at the end of the month and reading them. (30 minutes)
  3. Logging results in a journal. (15 minutes)
  4. Reviewing our credit repair methods. (15 to 30 minutes)
  5. Writing new dispute letters to credit bureaus. (30 minutes)
  6. Writing debt validation letters to collection agencies.  (1 hour - depending how many you have)
  7. Saving copies of all the letters you are mailing. (15 minutes)
  8. Mailing letters. (15 minutes)

Total: 3-1/2 hour maximum

Month 3  Repeat or follow up on activities performed in Month 2.

  1. Collecting letters from credit bureaus and filing them as them come in. (15 minutes)
  2. Gathering your responses at the end of the month, reading them, logging results. (15 minutes)
  3. Writing out new dispute letters to credit bureaus. (30 minutes)
  4. Writing follow-up debt validation letters to collection agencies. (30 minutes(
  5. Saving copies of all the letters you are mailing. (15 minutes)
  6. Mailing letters. (15 minutes)
  7. Writing investigation requests to original creditors. (30 minutes)

Total: 2-1/2 hours maximum

Month 4  Repeat or follow up on activities performed in Month 3. You should be getting quicker at doing all these things, it should be taking no longer than 2 hours a month at this point.

  1. Collecting letters from credit bureaus and filing them as them come in. (15 minutes)
  2. Gathering your responses at the end of the month, reading them, logging results. (15 minutes)
  3. Writing out new dispute letters to credit bureaus. (30 minutes)
  4. Writing follow-up debt validation letters to collection agencies. (30 minutes)
  5. Saving copies of all the letters you are mailing. (15 minutes)
  6. Mailing letters. (15 minutes)
  7. Calling original creditors about investigation results. (15 minutes)

Total: 2-1/2 hours maximum

Months 5, 6 and beyond: Repeat activities in Month 4. If you get stuck, you can ask for advice on our discussion boards.

866.785.9884 Call for a FREE credit repair consultation from Lexington Law

Fixing Your Credit is Pretty Easy

Think about it, if you gave up watching three hours of TV every month, you can have vastly improved credit. According to a recent study by the "New York Times," the average American watches 34 hours of TV in a WEEK. You do have the time!

Our Credit Repair Bookstore has numerous eBooks available for instant download that can help you fix your credit and settle your debts.

We hope we've convinced you that you can do this on your own, but if we haven't, let us recommend Lexington Law. This company follows the same credit repair methods we promote on this site.

Call 800.461.0524 and speak to a Credit Repair Expert at Lexington Law
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