Credit repair does not happen overnight because credit reporting itself does not operate instantly. Accounts update on monthly cycles, disputes follow legal timelines, and positive history compounds gradually.
Anyone promising instant results is either misinformed or intentionally misleading.
Real improvement comes from stacking small, correct actions consistently. Lowering balances, correcting inaccuracies, and maintaining on-time payments over time creates momentum.
Credit is forgiving when behavior improves, but it requires patience and consistency to see lasting results.