How Long Does It Take to Rebuild Credit?

Typically, it takes at least 3–6 months of good credit behavior to see a noticeable change in your credit score. It is difficult to make a change any faster, unless the negative information on your credit report was a minor blip, like being late with bill payments one month.

While it is impossible to put a specific time frame on credit repair, it is safe to say the less negative information you have on your report — late payments, maxed out credit cards, constant credit applications, bankruptcy, etc. — the easier it is to repair your credit score.

Good news is that here in Home Buyers Inventory, we offer a Rent To Own Home program that will help you to increase your credit score. Paying on time with your rental payment will help your credit score improve.

We dont recommend that people pay other companies to help them clear up their credit, unless they need that credit spic & span within 30 days.

You can typically clear up your own credit, over time. That’s what I did. It’s also the reason we at Home Buyers Inventory will report your payments for you.

You sign up for a service that will report your good rent payments. There are several of these services, you can choose any one of them as long as they will allow us to report for you. At the time they signed up it was $25.00 to set up and $5.00 a month. You can find Rental Kharma through Google and learn about their services.

We happen to have personal experience with Rental Kharma, our tenant buyers use them.

Every month we get the question, did this person pay on time. We respond yes and the system reports to the credit bureau.

This increases your credit score organically. For much less than you would pay a debt consolidation or credit agency to clean up your credit.

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