How long for my credit to be fixed?

Meg F asked:


I got into debit in college and have been getting collection notices. I know what I owe and I am going to take $500 per month to pay off one thing at a time. I have figured it should take me 16 months. I am getting married in a year and really don’t want to screw up his credit. How long til my credit score starts improving and in doing this will I be able to buy a house next year?

Barbara
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