I have made many mistakes and my credit is a complete wreck. Can credit repair really help, or am stuck waiting the seven years?
Credit repair can really help! Conversely, ignoring your credit in the hope that your issues will gradually fall off by themselves would be a sad mistake.
The real problem is that in a significant percentage of cases, legitimate derogatory events trigger credit reporting errors. These errors can multiply and easily depress your scores more than the original event ever could have. You mention that your credit is a complete wreck. Very recently we had a credit repair case where a customer used the same words when describing their credit to me. He also added that they did not even recognize most of the accounts that were reporting. In his case the original negative events had triggered an avalanche of errors. Charged off accounts were sold to collectors, who soon resold the accounts to new collectors, and so on. The errors had accumulated to the point where they were depressing his scores dramatically. In fact removing the errors with credit repair improved his scores by almost 200 points.
Take Action with Credit Repair
Because errors have a way of perpetuating themselves, often with updated reporting dates, you cannot trust time to give you a fresh start. Credit repair is the solution. Become proactive and take charge of your credit today. Your quick credit repair response will allow you to get back on your feet, and sooner than you think!