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Depending on the status of your credit  it can up to 1 year. it But it will take 30-45 days to see results. 

There are many ways to build your credit on your own whether you have no credit or you are trying to re-establish credit. One option is taking out cash collateral towards a secured card with a reputable company that will report to the three bureaus. The Con to this is also finding a “lender” that can guarantee your collateral return after 12 months or earlier for maintaining an account with them. Another option is http://www.selflender.com (you can visit the site for more info on how the process works). I like the option of Self Lender because there is no credit score required to join and you can unlock the collateral money after a period of time + the interest it accumulated, like a savings account. It also reports to the bureaus showing that you have a trade line!

Do not wait until you are in need of good credit to start inquiring on how to repair it. Try to start as early as possible because it can be a timely process, depending on the circumstance, to resolve matters on your credit profile.

: Bankruptcy is a turning point that people consider when credit card expenses and other lines of credit or collections accounts become too much to handle. Filing for Chapter 13 bankruptcy allows you to keep all of your property, but you would have to pay your unsecured creditors (like credit card companies) an amount equal to the value of your nonexempt assets. This step is typically recommended after all options have been exhausted in repairing your credit profile yourself or through a delegated company or representative

So in summmary still owe debt and still need a credit repair.

Work on the accounts that have higher interest rates, they are the ones you are paying more on interest than principle when you submit a monthly payment. Then work your way to the lower rates. It’s a great feeling to pay off accounts, that is the feeling of financial freedom!

You can rebuild your credit by getting a secured line of credit(these are kind of tricky because although it is your money that you are using for credit limit, credit companies still have terms and conditions to approve you for the account.) You can go to a company and buy something with their line of credit and make timely payments(such as a furniture store or best buy).

 Anything that is federal like  something that is put on your credit by the IRS. You would have to contact the IRS about the debt that you owe.

DO NOT RESPOND TO ANY LETTERS THAT YOUR CREDITORS OR DEBT HOLDERS SEND TO YOU. This includes receiving letters from a lawyers office or letters from the creditor.Do not answer any calls. Your response can and will be recorded and used against you.