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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.
Now, on to how you can begin to build up your credit again so that you can reach your goal of buying a home. I'm not sure what your credit score is, so let's assume it's 550 to 600 using a FICO score or from 601 to 700 using the VantageScore. In that case, I would recommend that you begin with a passbook savings loan.