After choosing to restructure your debt, the most important next step is to rebuild your credit rating. 4 Pillars has one of the most comprehensive credit rebuilding programs in Canada. It is a proven and effective strategy for rebuilding a strong credit score. This program is free to all previous 4 Pillars clients and is HIGHLY recommended. On average, it takes between 1 and 3 years to reach a score of 650 or higher.