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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.
Step 5. Ask to have late pays and charge-offs removed from your credit history. Generally, these remain on your report for seven years, but if you ask nicely, the company that put them there may remove them earlier. This can be a time-consuming process, but it's well worth the increase in your score.tep 1. Know your credit score. A credit score is a number between 300-850 that's assigned to you, and it rates how risky a borrower you are. The higher your score, the less risk you pose.