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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.
Even with the tightening of credit over the past 24 months, a score of 740 or higher will normally qualify you for the best rates and terms available. This is up from 700, and then 720 over the past 6-8 years or so.