How To Build Good Credit Score From Scratch & Maintain It

5 min readJul 25, 2021


You might be wondering how long it takes to develop credit, whether you’re recovering from a financial setback or starting from nothing. While you won’t be able to achieve a perfect credit score overnight, you may build one from the ground up in three to six months.

The more you learn about credit scores and how they’re utilized, the clearer it appears why it takes six months. Lenders look at your credit score when deciding whether or not to give you money. Credit scores are supposed to predict the likelihood of a borrower falling behind on payments for at least 90 days in the next two years.

Lenders want to see more than a few months of on-time payments — they want to see evidence that you can keep up the good work. In this article, we will tell you how long does it take to build credit from 0.

How Long Does It Take To Build Credit Back Up?

To start rebuilding your credit score, you must first use credit, such as by getting and using a credit card or repaying a loan. To develop enough credit history for a FICO credit score, which is used in 90% of loan decisions, it will require around six months of credit activity. FICO credit ratings range from 300 to 850, with a score of 700 or higher considered good. A score of 800 or more is what is considered a good credit.

Don’t hold your breath for a big number immediately now. While you can build up enough credit history to generate a score in less than a year, getting a good or exceptional credit score takes years of responsible credit usage. We hope now you understand how long does it take to build a good credit score.

Why Does It Take So Long to Build Good Credit?

We just went through the section on how long does it take to build credit score. Now we will see why does it take so long to build a good credit score. When you’re just getting started with your credit score, time isn’t on your side. Lenders want to see consistent positive behavior, which is a big factor in FICO scores:

  • Payment history (35 percent of score): Have you routinely made on-time payments?
  • Amounts owing (30% of total score): How much debt do you have compared to the amount of credit you have available?
  • Credit history length (15 percent of score): How long have your accounts been open on average?
  • New credit (10% of total score): Have you opened a lot of new credit cards in a short period?
  • Credit MX (10%): Do you have any expertise managing various sorts of credit and loans?

In the eyes of lenders, proof that you pay your bills on time and don’t have high credit card balances makes you a less hazardous and more trustworthy credit user. Those responsible habits carry greater weight over time, which is why establishing a solid credit score from the ground up takes effort.

Raising The Credit Mainly Depends On The Starting Point

You must be asking how long does it take to build credit to buy a car. But your credit score isn’t just a guess; it’s based on a formula that considers five key elements. A fantastic chance is presented to people new to credit cards, with a history of continuous payments being the most crucial aspect. If you pay your credit card account on time every month, your credit score will improve, so establish a habit and you may fast build your creditworthiness — as long as you don’t miss a credit card payment.*/*/*/*/,20




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