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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.
Nine ways to improve your credit score. If you're on the cusp of decent creditworthiness, take heed: You can improve your lot in as few as three to six months (or even more quickly, if you discover that some of the errors being reported aren't really your own).