Myth #3 - It will take me seven years to improve my credit.

False.

It doesn't take a certain amount of time. It is a process.

If you do it right and with intensity, you can accomplish a great deal in just three to six months. If you have a bankruptcy, foreclosure or short sale, it might take a bit longer but with some advanced tactics we are able to even eliminate those in under 120 days.

Most negative items will remain on your credit report for up to seven years. So many items being reported are not 100% accurate, 100% timely, or 100% verifiable and must be removed immediately. No matter whether you take decisive action to clear up the sins of the past, you should definitely start to improve your credit by maintaining a positive payment history, not making lots of inquiries for new credit cards, maintaining lower balances and a low debt utilization rates on your exisitng cards (keep under 30%), and establish new accounts if you don't have at least two current tradelines.

Visit Great American Credit Repair for more information on how to improve your credit score.