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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.
The higher your credit score, the more likely you will be approved for a loan or other forms of credit and at a lower interest rate. If your credit score is low and you find yourself needing to get your score up quickly different measures will take different amounts of time, ranging from days to months. credit complaint to a collection agency will take up to seven years to come off your report, but your credit score will go up with each timely payment you make.