February 14, 2011 (The Dave Ramsey Show)

“There’s only 1 thing that actually repairs credit and that is time, paying your bills on time and letting it heal; after about 3 years of paying your bills on time and you don’t have any negative blemishes for 3 years you’ll still have the stuff on there for a total of 7 years but after about 3 years it won’t count against you hardly at all for most things, including buying a home” Dave Ramsey