• Our program is a “do-it-with-you” model where our clients participate in the process. The answer depends partly depends on the client and how quickly they complete the actions we require and how the credit bureaus respond to each unique situation. For those reasons we cannot provide an exact timeframe. However, on average we see files optimized in3 – 5months. These timelines do not account for any new derogatory information that may appear on a client’s credit history after our initial review of current credit reports.