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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.
Can I improve my credit score? The best things you can do to keep your credit score up is to pay your bills on time and limit your debt payments to less than 20% of your income. Your credit report and credit score tell creditors how you manage money.Make sure that you do everything you can to keep your credit score high and your credit report cleanâit will save you money in the long run.an I improve my credit score? The best things you can do to keep your credit score up is to pay your bills on time and limit your debt payments to less than 20% of your income. Your credit report and credit score tell creditors how you manage money.