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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.
First, understand that improving your credit score takes time and diligent action. Paying your credit card balance off on time for two months won't equate to a meteoric rise in your credit score. What will make a positive difference is consistent action over time. Of course, when it comes to renting an apartment you may not have months to spend patiently coaxing your credit score higher and higher.