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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.
Unfortunately, the answer is, âIt depends.â It depends on what your credit score is now, and why. And it depends on how much you want to improve your credit score. Serious credit problems â foreclosures, collections records, etc. â will stick to your credit report for seven to 10 years.During that time, youâre not likely to achieve a perfect credit score. 10 percent is based on types of credit used. â¢ 10 percent is based on recent searches for credit. As you can see, payment history is the No. 1 factor in your credit score. A long history of on-time bill payments will go a long way toward improving your score and keeping it high.