{"id":358941,"date":"2022-03-03T07:00:00","date_gmt":"2022-03-03T14:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=358941"},"modified":"2022-05-13T11:35:49","modified_gmt":"2022-05-13T17:35:49","slug":"how-long-does-it-take-to-build-credit","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/","title":{"rendered":"How long does it take to build credit?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score.jpg\" alt=\"\" class=\"wp-image-358943\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score.jpg 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero-feature_man-on-computer-and-phone-building-credit-card-score-1400x467.jpg 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards<\/a>.<\/p>\n\n\n\n<p>While building credit is different for everyone, it typically takes about six months of healthy practices to establish a good baseline of credit. Building up to an even higher score just takes time. You may start seeing positive changes as early as a few months, but most importantly, remember that building and maintaining credit is a lifelong practice.<\/p>\n\n\n\n<p>Your credit score doesn\u2019t exactly start from zero when you get your first credit card\u2014there are lots of factors that go into determining your credit health. Whether you\u2019re just getting started on your credit journey or you\u2019ve been in the game for a while, building your credit takes a bit of strategy. <\/p>\n\n\n\n<p>It\u2019s not a one-and-done deal, so we\u2019ve put together what you need to know and some tips to keep your credit on track.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"564\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score.png\" alt=\"Whether you're just starting out or rebuilding your credit, it can take up to six months of on-time payments and healthy credit practices to see a boost in your score. \" class=\"wp-image-358944\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score.png 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score-300x113.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score-600x226.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score-768x289.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score-450x169.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score-900x338.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/on-time-payments-boost-credit-score-1400x526.png 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-your-credit-score-calculated\">How is your credit score calculated?<\/h2>\n\n\n\n<p>Your credit score is calculated with a few notable metrics under the FICO<sup>\u00ae <\/sup>model:<\/p>\n\n\n\n<ul><li><strong>Payment history. <\/strong>Do you have a history of consistent, on-time payments or a record of late payments and delinquencies?<\/li><li><strong>Credit utilization. <\/strong>How much of your credit are you using?<\/li><li><strong>Length of credit history. <\/strong>How long have you had credit to your name?<\/li><li><strong>Credit mix. <\/strong>Can you responsibly manage a variety of credit, from loans to credit cards?<\/li><li><strong>New credit. <\/strong>Do you have new hard inquiries on your report that have caused your score to dip?<\/li><\/ul>\n\n\n\n<p>These are the core factors that impact your credit health, but again, every situation is different. Your credit health will come together based on your unique financial situation. These factors impact the scores of all credit users, whether you\u2019re the new kid on the block or you\u2019ve been around for a while.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-building-credit-from-scratch\">Building credit from scratch<\/h3>\n\n\n\n<p>If you\u2019re <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/best-credit-cards-for-building-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">starting from square one<\/a>, it can take closer to six months to see any significant changes in your credit health. That\u2019s because you likely don\u2019t have a significant enough credit history for lenders to go off of. You likely won\u2019t be able to get a card with lots of benefits or stellar terms, but using it responsibly\u2014i.e., paying the full amount on time, keeping your utilization low and so on\u2014will help you move up and move on to more sophisticated cards in no time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rebuilding-credit\">Rebuilding credit<\/h3>\n\n\n\n<p>The time it takes to rebuild your credit is variable\u2014it depends on where you\u2019re starting and how much work you have ahead of you. For example, if you had a few rounds of late payments and are working to pay off that extra interest, six months or so of strict on-time and full payments will help you see progress.<\/p>\n\n\n\n<p>On the other hand, if you\u2019re working with a past bankruptcy or foreclosure, these can stay on your credit report for seven to 10 years, so even regular payments and healthy credit usage won\u2019t fix your credit in a few months. It will likely take much longer for you to see a significant boost in your score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-tricks-to-build-credit-faster-and-smarter\">7 tricks to build credit faster (and smarter)<\/h2>\n\n\n\n<p>You\u2019re probably excited to get started and ready to get to that coveted score in the high 700s or even 800s, whether you\u2019re starting from scratch or looking to turn your credit around. There are some tricks that can help you bump up your score quickly without compromising your credit health\u2014no quick fixes required.<\/p>\n\n\n\n<p>Here are some of the best moves you can make to build up your score and establish healthy long-term credit habits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-become-an-authorized-user\">1. Become an authorized user<\/h3>\n\n\n\n<p>Becoming an authorized user is a smart move if you\u2019re just starting to build credit, making it a wise choice for parents of <a rel=\"noreferrer noopener\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-101\/how-to-build-credit-at-18\/\" target=\"_blank\">teenagers or college students<\/a>. Authorized users have permission to use the cardholder\u2019s account but aren\u2019t responsible for the bill. <\/p>\n\n\n\n<p>If you have a trustworthy family member who\u2019s responsible with their finances, becoming an authorized user on their account can offer you the same benefits (including a starting point for building your credit score) without the burden of credit in your name. Plus, this is a great opportunity to teach teens and students about credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-sign-up-for-a-secured-credit-card\">2. Sign up for a secured credit card<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-a-secured-card-affect-your-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">secured credit card<\/a> requires a cash deposit as collateral. This is ideal for young and new credit users: Since you likely have little to no credit history for lenders to base their approval off of, putting up money will give them something to fall back on if you fail to make payments. Using a secured credit card responsibly for some time will help you establish a strong baseline of credit health and open the door to cards with higher limits and more benefits.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-pay-down-your-debts\">3. Pay down your debts<\/h3>\n\n\n\n<p>A no-brainer, paying down your credit card debt is a good way to build up your credit. Putting more money into your bill payments decreases your credit utilization, positively contributes to your payment history and shows lenders that you can responsibly manage loan payments. You can use tricks like the <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/should-you-snowball-your-debts\/\" target=\"_blank\" rel=\"noreferrer noopener\">snowball method<\/a> to shrink your loan payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-keep-your-credit-utilization-ratio-low\">4. Keep your credit utilization ratio low<\/h3>\n\n\n\n<p>Like we mentioned above, your credit utilization is an important part of how your credit score is calculated. Keeping it low shows the bureaus that you are able to spend within your means and pay your bills on time. All of this contributes to a healthy score for the long term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-regularly-check-your-credit-report\">5. Regularly check your credit report<\/h3>\n\n\n\n<p>Your credit report is one of the best tools you have at your disposal to keep a finger on the pulse of your credit health. You can <a href=\"https:\/\/www.creditrepair.com\/articles\/credit-improvement\/how-to-get-your-free-credit-reports\" target=\"_blank\" rel=\"noreferrer noopener\">request a free credit report<\/a> every year from each of the three bureaus, and there are various credit monitoring services to keep track of any fluctuations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-ask-for-a-credit-limit-increase\">6. Ask for a credit limit increase<\/h3>\n\n\n\n<p>No harm in asking, right? If you\u2019ve been handling your credit like a pro for some time and only using 30 percent of your limit, it\u2019s worth asking for a <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/when-to-request-a-credit-limit-increase\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit limit increase<\/a>. Lenders and banks will often give these automatically when they see users behaving responsibly, but sometimes you just have to ask. <\/p>\n\n\n\n<p>Increasing your limit can help lower your utilization ratio if you keep your spending the same, which, in turn, will help increase your score in due time. Give your bank or lender a call to request an increase.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Look into credit builder loans<\/h3>\n\n\n\n<p>A credit builder loan helps people build up their credit. The borrower applies for a loan but doesn\u2019t get access to the money up front. Instead, they make monthly payments on the account until they\u2019ve paid off the entirety of the loan. When the payments are done, the loan funds are released to them.&nbsp;<\/p>\n\n\n\n<p>The credit builder loan helps you build positive credit by reporting the monthly payments to the credit bureaus. Additionally, it helps teach you how to save, as you get to build up your loan amount with every payment.&nbsp;<\/p>\n\n\n\n<p>You don\u2019t need a strong credit score to receive a credit builder loan, but you\u2019ll need to show you have the income to make the monthly payments. Additionally, credit builder loans aren\u2019t that common. You may have to go to a credit union or community bank as many traditional banks don\u2019t offer this product.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to keep good credit<\/h2>\n\n\n\n<p>There are a few things that can help you keep up your good credit standing:&nbsp;<\/p>\n\n\n\n<ul><li><strong>Credit cards:<\/strong> If you can trust yourself to be financially smart with credit cards, you can <a href=\"https:\/\/www.creditrepair.com\/education\/improve\/how-to-establish-credit\" target=\"_blank\" rel=\"noreferrer noopener\">leverage them to benefit your credit score.<\/a> The key is to always make your credit payments on time and in full and to keep your credit utilization in mind. Additionally, while you can occasionally apply for new credit cards, do so carefully. Don\u2019t apply back-to-back with other credit cards or loans, as this can lead to several hard inquiries on your report in a short period, which can drag your score down.&nbsp;<\/li><li><strong>Pay your bills on time:<\/strong> Always pay all your bills on time. One way to make sure you pay your bills is to set up auto payments wherever you can.&nbsp;<\/li><li><strong>Keep your credit accounts open:<\/strong> One of the five factors that make up your credit score is credit history length. You should always keep your oldest credit accounts open so your credit history length doesn\u2019t suddenly get cut shorter.&nbsp;<\/li><li><strong>Seek credit variety:<\/strong> Credit mix makes up 10 percent of your credit score. Having a combination of revolving accounts and installment loans shows lenders you can be responsible with all kinds of credits and boosts your overall credit score.&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Try to avoid these things<\/h3>\n\n\n\n<p>Watch out for these mistakes that can quickly lower your credit score:<\/p>\n\n\n\n<ul><li><strong>Falling behind on your payments:<\/strong> Even one late payment can end up on your credit report, lower your credit score and stay on your account for up to seven years. If you find yourself unable to make payments, contact your lender immediately and see if you can negotiate a lower monthly payment or a repayment plan.&nbsp;<\/li><li><strong>Applying haphazardly:<\/strong> Keep in mind hard inquiries when applying for credit. One hard inquiry may temporarily dip your score, but you should see a quick recovery. However, multiple hard inquiries in a short time can lower your score significantly and for a longer time.&nbsp;<\/li><li><strong>Overcharging:<\/strong> Going over your credit limits is a fast route to not making your payments and getting into debt. Never spend what you can\u2019t afford to pay back immediately.&nbsp;<\/li><li><strong>Closing your accounts:<\/strong> Closing accounts can sometimes be okay if you find yourself tempted to overspend or if the card charges you a fee and you don\u2019t get value out of it. However, if you can, avoid closing your oldest accounts as it can shorten your credit history length and lower your credit score.&nbsp;<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits.png\" alt=\"Building credit isn't a one-time thing\u2014healthy lifelong habits are important for maintaining your score.\" class=\"wp-image-358946\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits.png 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits-300x100.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits-600x200.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits-768x256.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits-450x150.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits-900x300.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/building-credit-score-takes-healthy-lifelong-habits-1400x467.png 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>While all of these tips can help you improve your credit if you\u2019re new to the game or you need help getting back on track, remember: There\u2019s no such thing as a quick solution to building credit. You may see results in a matter of months, but these practices for healthy credit usage are lifelong habits that will keep your credit strong in the long run. <\/p>\n\n\n\n<p>If you ever feel stuck and don\u2019t know what steps to take to improve your credit, our team can assess your credit health and help you get back on track. <a href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\" rel=\"noreferrer noopener\">Request an evaluation today<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p> <a rel=\"noreferrer noopener\" href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>It can take six months to start building good credit from zero. The more you know, the faster you can build it. Check out our seven tips for building credit quickly. <\/p>\n","protected":false},"author":72,"featured_media":358948,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Long Does It Take to Build Credit? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"It can take six months to start building good credit from zero. The more you know, the faster you can build it. Check out our seven tips for building credit quickly.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How long does it take to build credit?\" \/>\n<meta property=\"og:description\" content=\"It can take six months to start building good credit from zero. The more you know, the faster you can build it. Check out our seven tips for building credit quickly.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-03T14:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-13T17:35:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero_man-on-computer-and-phone-building-credit-card-score.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"974\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Upuia Sagapolu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero_man-on-computer-and-phone-building-credit-card-score.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/11\/hero_man-on-computer-and-phone-building-credit-card-score.jpg\",\"width\":1500,\"height\":974},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/\",\"name\":\"How Long Does It Take to Build Credit? | CreditRepair.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-long-does-it-take-to-build-credit\/#primaryimage\"},\"datePublished\":\"2022-03-03T14:00:00+00:00\",\"dateModified\":\"2022-05-13T17:35:49+00:00\",\"author\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/532f153c55c35e2875ebbb0328828767\"},\"description\":\"It can take six months to start building good credit from zero. 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