How Long does it take to repair your credit score?

Question

I'm going to apply as a first-time owner and upon speaking to a mortgager I was told that I had to increase my credit score in order for them to work with me. or have 15% down payment of the home I wish to buy. Does it still take years before the credit score is improved?

Answer 1

Nope, it depend on your income and your personal debts. Free of debts will be the best.

Answer 2

anywhere from few months to years

Answer 3

There is some simple stuff you can do right away which will enhance your credit score in a matter of months. For example, get a gas credit card, and pay on time each and every month. More examples are available in the credit secrets bible.  

Answer 4

It depends on how bad it is to begin with and how devoted you are to raising it. Everytime you have somebody look into your credit... it takes a hit.  

Answer 5

1-3 years

Also, a good resource is...

http://debt.knowledged.info/credit_card....

Hope that helps.