I see a lot of ads for ’30 Day Credit Repair’ or ‘Credit Repair Fast’. The ads are on the radio, on the internet, and I wouldn’t be surprised if they show up in your mail box.
Can they really fix your credit in 30 days?
Well, the honest answer is yes, and no. (I know, the answer sucks, but it is real.)
You can make changes to your credit in 30 days. Things like aged accounts, old accounts without validation, and possibly even a few good will adjustments can be yours in a short time. Those items will absolutely help your scores.
However, there are things on your report that are tough to crack. Changing information, getting rid of collections, and trying to make bad items look better all take time. You have to be willing to do the work to make things as good as possible. If you try to take shortcuts, like hiring a law firm that specializes in credit repair, you will likely end up with a credit report that is clean, and has nothing useful on it at all.
A great credit report requires several things:
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A history of using credit responsibly.
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Maintaining lower balances on your credit cards.
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Making payments on time.
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A good mix of credit.
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Not trying to get credit too fast.
