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Timeline & Tips. You may have heard that you can build âgoodâ credit from scratch in six to nine months. But thatâs wrong. You wonât even have a credit score, let alone a good one, until youâve had your own loan or line of credit for at least six months. And assuming you do everything right, it could take as long as three years to build what lenders would perceive to be truly good credit and five to groom excellence.
Raise credit score 15 - 100 points in less than 30 days or 1 month. Here are 6 different areas of your credit score that can be disputed to raise your credit score instantly. Bad credit that isn't yours. Inaccurate dates or date records, date opened do, date of last activity dola, date of last delinquency dold.