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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.
if you have a bank account you could try to increase your credit score by buying a CD (Certificate of Deposit) You basically lend your bank money for six or seven months and after the term you get your money back with a little interest and a boost in your credit score.