Real talk first: Unfortunately, there's no quick fix. Repairing your credit is a long road, and it can certainly be stressful—especially if you've got a big goal on the horizon like buying your first home. It takes a while—about 7 to 10 years—for credit-affecting issues (like late or missed payments) to come off your credit report, so repairing bad credit might seem downright impossible at times. But the reality is, there are some small steps you can take right now to start getting your credit back on track.
from Apartment Therapy | Saving the world, one room at a time http://www.apartmenttherapy.com/ready-to-repair-your-bad-credit-heres-where-to-begin-240848