The Credit Repair Timeline – What to Expect Month by Month
Rebuilding your credit takes time—but knowing what to expect each step of the way can give you the motivation and confidence to stick with it. At Solid Foundations, we walk you through a clear, step-by-step credit repair timeline designed to deliver real results without confusion or false promises.
This month-by-month guide outlines what typically happens as we work together to repair your credit.
Month 1: Consultation, Enrollment & Credit Report Review
What Happens:
You start with a free consultation to go over your goals and concerns.
We guide you through client portal setup and help you order your 3-bureau credit report.
A full credit analysis is performed to identify negative items such as late payments, collections, charge-offs, and inquiries.
Goals:
Understand your credit score breakdown
Identify priority areas for improvement
Prepare and begin your personalized dispute strategy
Month 2: Sending Disputes & First Responses
What Happens:
Your personalized dispute letters are sent to the credit bureaus and creditors.
We monitor for responses and begin receiving early updates on account reviews.
Note: According to the Fair Credit Reporting Act, credit bureaus have 30–45 days to investigate and respond.
Goals:
Begin the dispute process
Watch for early deletions or corrections
Stay active in your portal to track updates
Month 3: Monitoring Progress & Follow-Up Disputes
What Happens:
Results from the first round of disputes come in.
We analyze the outcomes and prepare a second round of disputes, if needed, especially for items not yet corrected or removed.
Strategy:
Credit repair often requires multiple rounds of communication with bureaus. We focus on persistence and accuracy to get results without triggering red flags.
Goals:
Continue momentum from Round 1
Push harder on remaining negative items
Reinforce consistent positive credit habits
Month 4–6: Credit Score Growth & Positive Tradelines
What Happens:
You begin to see tangible credit score improvements.
At this stage, we help you build credit using secured cards, credit builder loans, or authorized user strategies.
Old accounts may be removed, and credit utilization starts to improve.
Results Vary: Some clients see changes within 30 days, while others begin to see score improvements between months 4 and 6.
Goals:
Add new, positive tradelines
Maintain on-time payments
Keep credit utilization below 30%
Month 6–9: Stabilization and Credit Rebuilding
What Happens:
Disputes continue on more complex or stubborn items.
You're likely seeing score stabilization and improvement.
We help you avoid common credit rebuilding mistakes, like applying for too many cards or closing old accounts.
Goals:
Protect your progress
Strategically build your credit profile
Stay consistent with spending and payments
Month 9–12: Long-Term Credit Strengthening
What Happens:
We enter a maintenance phase, continuing to monitor and support your financial goals.
You now have a stronger credit foundation to make informed decisions—whether it’s applying for a mortgage, car loan, or business credit.
Ongoing Strategy:
We provide continued guidance and support to help you build lasting habits that protect your credit long after the repair process ends.
What Makes Solid Foundations Different
We don’t believe in quick fixes—we believe in results. Our credit repair timeline focuses on honest progress, expert support, and your long-term success. With our help, you're not just fixing credit—you’re building financial freedom.
Start Your Journey with Us Today
Every great result starts with a first step.
Schedule your free consultation with Solid Foundations and take control of your financial future—one month at a time.
