How Long Does It Take To Build Good and Bad Credit?

Building credit takes time, but how much time will it take to build a credit? You cannot get a good score immediately, but you can take practical steps now to make a positive impact.

According to Experian, one of the major credit bureaus, it takes between three and six months of consistent and regular credit activity for your file to become thick enough that a credit score can be put together.

However, the thicker your file becomes is dependent on how many loans you collect during this time and how frequently you use your credit facility.

How Long Does it Take to Build Bad Credit?

Bad credit usually, grows over time and is due to many factors. For example, when you consistently miss payments, maintain high credit card balances, or do not pay back your loans as at due time, your credit score will be bad.

Similarly, late payments, in particular, can remain on a credit report for as long as seven years, while more serious issues such as bankruptcy can last longer than ten years.

Furthermore, the quantity of negative marks on your credit report and its consequences greatly impacts the rate at which a bad credit grows. It is important at this point to emphasize that repairing damaged credit score is a very tedious process. This process, is one that requires several years of consistent financial responsibility to revert and improve your credit score.

Why Does It Take Time To Build an Excellent Credit?

When you just start the journey to build a credit score, usually, time does not work in your favor. This is because, your lenders will want to see a good behavior over time, which is much of what FICO scores considers: Let’s see the considerations:

  • Payment history (35% of score): Have you made on-time payments consistently?
  • Amounts you owe (30% of score): How much debt do you have compared to how much available credit you have?
  • Length of credit history (15% of score): On the average, how long have your accounts been open for?
  •  New credit (10% of score): Have you opened several new credit accounts in a short amount of time?
  •  Credit mix (10% of score): Do you have any experience in managing different types of credit and loans?

However, if you can show evidence that you pay your bills on time and do not owe a lot on your credit cards, it will make lenders trust you more and see you as a reliable borrower.

These good habits make more sense than situations where you do not do them consistently over a long time, thereby creating room for distrust. That is why it takes a long while to build a good credit score from the scratch and it is does not happen magically.

What and How do you Build Good Credit Score?

In simple terms, to build a good credit score, you must have the discipline to keep the numbers stable and high.

That is, try to keep it between 300 to 850 and above. This is because, to build a good credit does not take place at one, it takes long and requires consistency to be maintained.

To figure out your credit score, your lender has to look at your credit report and score. They check out things like whether you pay off your bills on time, how much money you owe, and how long you have been using credit facilities.

Now in the list below, I will show you how to build a good credit score. Keep reading:

  • Get a Credit Card: If you do not have one, start by getting a secure credit card.
  • Pay Bills on Time: Ensure to always pay your bills on time, including credit card bills, loans, rent, and utilities.
  • Keep Low Credit Card Balances: Try to keep your credit card balances well below your required credit limit.
  • Use Credit Wisely: Make good use of credit facilities available to you. Use them only for necessary expenses and avoid going beyond your credit limit.
  • Diversify Your Credit: Have different types of credit accounts, like credit cards and loans.
  • Limit New Accounts: Do your best to not open too many new credit accounts in within a short period of time.
  • Check Your Credit Report: Always do a review on your credit reports for errors at
  • Deal with Negative Items: Work on paying off past-due accounts and collections.
  • Be Patient: Building good credit takes time and consistency, exercise patience.
  • Seek Professional Advice: Consider consulting a credit counselor or financial advisor if you need guidance. You can also read about the10 Most Aggressive Credit Repair Company for Credit Restoration.

How to Rebuild Your Credit Score

Rebuilding a credit score, is a long tedious process that requires lots of patience. But in a case where you do not have a credit score.

Here are a few reasons why you may not have a credit score.

Firstly, if you have not made use of a credit before by opening a credit card or taking out a loan, you will have what is called a “thin credit file.”

This means there is not enough information to create a credit score for you.

Similarly, the same can occur if you have not made use of any credit facility for a long time, or you are a new immigrant to the U.S., or have recently become a widow or just got a divorce.

The good news is that you can boost your thin file. Let me highlight how you can go about it:

  •  Use credit-building Products
  •  Become an Authorized User on A Credit Card
  • Learn How Credit Scoring Works
  • Keep Up the Good Work

How to Maintain a Good Score

Positive changes to your credit report information are all you need to raise your credit score. When you have knowledge on How long does Credit Repair take? Best Timeline to Repair your Credit Score

It is easier to harm your credit than to improve it, so here is what you can do to maintain good credit once you start.

  • If you carry a balance, pay more than the minimum due
  • Always pay Your Bills on Time
  • Only charge what you can afford
  • Do not apply for many new credit cards
  • Also, do not close any card accounts 
  •  Closely monitor your credit reports.


The discipline to build a good or bad credit shows how important it is to be smart with your money and make good financial decisions and choices. Whether you want a really good credit score or want to fix a bad or damaged credit, you must exercise a lot of patience trying.

Do well to keep in mind that, it takes time for your credit history to show the good things you do likewise the bad decisions you make.

If you carefully follow the steps I have shown you in this article, it will help you have a better financial future. When you have good credit, you have more financial options, and if you avoid bad credit, you will have a safer and more stable financial life.

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