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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.
Make sure all bills and credit card payments are made by the due date. You will need to have at least six to seven years of up-to-date payments to raise your credit score above the average of 600. Maintain a credit balance in your checking account. Maintain credit over many years; 20 years or more is best.nstructions. Obtain your credit score from MyFICO. This will provide a starting point to help raise your credit score. The FICO (Fair Isaacs Corp.) score is the one most lenders use to assess your suitability for credit. It compiles data from the three main credit reference agencies: Equifax, TransUnion and Experian.