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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.
How Fast You Can Raise Your Credit Score. Most payments on a line of credit take anywhere from one to six months to show up on your report, depending on when the lender sends the information to the credit bureaus.he fact is that even under the best of terms, it is going to take several months for your credit score to go up. That does not imply that you should ignore your credit or damage it in any way because eventually those results will show. You just have to be realistic in your expectations.