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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 best way to building credit, is by using only a modest portion of â¦ your available creditâ¦ and then of course making timely payments.     In the end your credit score may increase as much as 30 to 50 points after paying off a $1000 debt.However, this will take some time, and your credit score may take 60 to 90 days to improve.The credit bureaus also take your debt-to-income ratio into consideration when calculating your score.he best way to building credit, is by using only a modest portion of â¦ your available creditâ¦ and then of course making timely payments.     In the end your credit score may increase as much as 30 to 50 points after paying off a $1000 debt.