When dealing with a bad credit report, a borrower will face increased costs, whether he or she wants a car loan, mortgage or credit card. To fix the problem, the consumer will need to take some time and contact the creditors. Other times, it is wise to hire a third-party firm that can take care of the issue quickly and without making any errors. With this in mind, one should know how long it takes to repair their credit. Here is a quick guide on how long it should take for the average consumer.