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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.
How long a person needs to have had credit to generate a score: With FICO, itâs six months, but VantageScore can generate a score after 30 days. How recently a credit account was used: For FICO, at least one account has to have been used in the past six months; VantageScore looks back 24 months.