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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.
Rating Newest Oldest. Best Answer: You should see your credit score increase within a month or so. The amount of increase depends on many factors. If you had a lower FICO score before, like in the 500-600 range, you can expect a more significant impact from paying down your CC debt.http://triceiver.com has some useful tips on raising credit scores and also a free FICO estimator you can try and see how much it will increase.ince you almost maxed out your CC limit, which means your debt is more than 90% of your total credit, paying down half of it will still result a 50% utilization rate. This is not good enough. You should try to lower it to below 35% on each card and also for total utilization.