New Delhi, Oct. 10 -- Repairing your credit is generally a long process and doesn't happen overnight. Minor repair in credit may take anywhere between 3 to 6 months and the more serious repairs (such as settled loans) take anwhere between 2 to 3 years.

It's alright to make mistakes so long as you admit them and make serious efforts to rectify them.

At the outset, one should follow these points before taking any specific action to repair your credit.

Slow and gradual process: If you are new to credit, you could start with a secured credit card or a small loan and use it properly.

Professional advice: You could even seek professional help for complex issues such as non performing assets (NPAs), consult a financial advisor or credit coun...