You should see improvement in you credit situation fairly quickly. You will open up some new, positive credit trade lines during your first month (although you will not use them). You will see some action on your credit reports. Over the first 30 to 45 days, you will have sent out your disputes and demands for validation and verification to the Credit Reporting Agencies (CRA's) and Collection Agencies (CA's). You may of may not have received some correspondence back from the CA's. If you did, it was a feeble attempt at debt validation, and it most likely does not meet the criteria from validation. You may also receive requests from the CRA's and CA's for more information reguarding your disputes and requests for validation and verification, but you will suppress the desire to help your adversaries. One or more derogatory, inaccurate trade line most likely will be deleted during this time. If you have some older accounts (greater than 2 years old), you will probably have more than less removed.

Over the course of the following couple of months, you will respond to all the correspondences you receive, demand more information and validation and account verification, and follow up with any actions that have been taken. You will probably have opened up two or three more credit lines. Since you will monitoring your credit report on a daily basis, you will begin to really believe in your credit repair now. You will also know by now definitively that you made the right choice in repairing your credit yourself. You will be so in tune with your credit, that with any change in your credit reports, you will know immediately how to respond.

Your credit repair journey will be incremental in the beginning. Your persistence is now being rewarded. At the end of this couple months up to six months, you should be on the verge of clean credit reports, if you are not there already. This is the point at which discover that, although your credit reports are relatively clean, your credit scores have not increased as much as you would like or as much as you think. This actually is to be expected. You have removed a lifetime of trade lines that, although derogatory, added age to your credit reports. And as we will see, age of accounts is a component in the algorithm for credit scores. Even though your score will not be as high is you want, you will be able to receive prime credit cards to add to your credit profile (and of course you will not use them). Since credit cards are revolving credit accounts, positive trade lines generated by credit cards will rather quickly help increase your credit scores. One concept that you will believe now, though, is that with clean credit reports, anything is possible. Credit scores will always take care of themselves. There is nothing you can do to change the algorithm used to generate credit scores. But by having clean reports and continually adding new prime trade lines (again, without using them), your credit scores will only increase monthly.