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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.
Re: How long does it take to rebuild your credit. I am a single mother of two boys and havent always done the right thing when it comes to my credit. I want to purchase a home for us in 2013 and have started now actually looking at whats on my credit report. My current FICO score is 488 TU and 483EQ. I need to get it up to at least 620-660 by 2013.