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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.
It can take 12 weeks or more to tidy up your credit score to get the best mortgage rate with the least hassle.Get started with this countdown.: The bigger the misstep, the longer it takes. Paying a routine credit card bill late can take three months to purge from your credit rating. Pay your mortgage 30 days late and it can take two or three years â the more you owe, the longer it takes for that ding to evaporate from your score.