Nine months is usually plenty of runway. What that time can accomplish depends on what is sitting on the report. No one can promise a specific score by a specific date, so start with the report itself: - Old late payments mostly need to age, and scores held down by aging items can climb quickly. - Charge-offs and collections often need a pay-for-delete negotiation, which takes longer. We have watched people move from the high 500s to above 640 (workable FHA territory) in around 120 days. Getting from the low 600s to 700-plus for the best conventional pricing can realistically take the full nine months. Score tiers and their pricing effects shift, so confirm current guidelines before you count on a particular tier. A reputable credit-repair company will give you a clear game plan and will be honest that they cannot do anything you could not do yourself. The real variable is follow-through. Most people who start never finish, usually because a missed payment or a card balance that creeps back up undoes the progress mid-repair. If you are committed to the plan, the timeline is on your side. A good first move is a soft-pull review, so you can see exactly what is holding the score down before the clock starts. When you want your actual numbers and a plan, that is what the free Roadmap conversation (about 20 minutes) is for.