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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.
The bulk of your credit score â about 35 percent â comes from your payment history. The more often you make payments on time, the better your score will be. So start by checking your credit report for past due accounts. If you have several past due accounts, it's time to triage.Accounts that are 90 days late will have a bigger negative impact on your score than those that are 60 or 30 days late.So pay off the most past-due accounts first, and gradually catch up on all your payments. 2.Ask for good faith adjustments.ccounts that are 90 days late will have a bigger negative impact on your score than those that are 60 or 30 days late. So pay off the most past-due accounts first, and gradually catch up on all your payments. 2. Ask for good faith adjustments.