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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.
Your credit score changes often. If your score is less than ideal, you can build healthy financial habits to improve your credit standing over time. You can even make it a mission to raise your FICO score 100 points in one year.