How long credit repair actually takes
Think in 30-day cycles and 12-to-18-month arcs, not overnight jumps.
Each dispute round runs on a 30-day investigation clock, plus mailing time and the reporting lag before changes show on your file. That's the base unit: roughly 45 days per round. Straightforward inaccuracies can clear in one or two rounds; contested items take three or four with escalation in between.
Layered on top is the part nobody can speed up — the aging of accurate negative items and the building of new positive history. A realistic plan for a damaged file is 12 to 18 months of steady, documented work, with visible progress along the way rather than one dramatic jump.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.