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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.
For every six days you have worked you get one day s credit up to a maximum of 238 days. To build up the maximum credits you have to work for four years. If you have worked for less than 238 days you can claim for the number of days credits you have built up.In the past, everyone received a fixed benefit of 45% of his or her salary (up to the set maximum). This has changed-now benefits are calculated on a sliding scale dependent on your salary.o build up the maximum credits you have to work for four years. If you have worked for less than 238 days you can claim for the number of days credits you have built up. In the past, everyone received a fixed benefit of 45% of his or her salary (up to the set maximum).