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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.
Wait patiently for your score to rise. Time is a necessary part of the equation to get a perfect credit score. You will need at least 10 years of positive credit before you can achieve the highest score. Part of your credit score calculation actually takes into consideration the age of your oldest credit account.