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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.
Thereâs one more service that can give you earlier access to credit score changes, but only in a narrow set of circumstances. If youâre applying for a mortgage loan, the lender may offer rapid rescoring, a service that will update your credit score within 48 to 72 hours. It doesnât work for every situation. You need to have proof that thereâs inaccurate information on your credit report, like a payment inaccurately reported as late.