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I guess, at lowest possible 1-2 years...
You can use credit repair agency, for example this one - http://creditreport.imess.net
They will verbs lots of bad stuff from your credit report - and do it much faster than yourself.

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omg, to be precise totally not true!

You can raise, but anything you do, DO NOT use Lexington ! They pay associates to say how correct they are, but the truth is they have 258 reports against them within the BBB and Consumer Reports out of Colorado. Also a place online called Fraudulent Businesses, they are planned there!! so do NOT dive for them!

Best bet is to work on it yourself. There is one in CA to be exact SPOTLESS, but you still have to pay cheque. Their trick is they do not claim to make everyones credit clean/or right to be heard its false charges, they only ask the bureaus to relieve them clean it up and remove it. So thats what make them good.

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Answers:    What do you consider a "short period of time." It'll nick AT LEAST a couple of years raise it 200 points.

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a couple of years or more if ever - unbelievably few people ever get hold of to 728
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