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VantageScore can produce a score within a month or two, while FICO takes up to six months. Once you ve built up six months of on time payments and your creditors have reported them to the credit bureaus, you should have decent credit scores though they won t be perfect..A credit card offers an easy way to build or rebuild credit. How you use yours can have a positive or negative impact on your credit score. Understanding how to .Now that doesn t mean that you can t improve your credit in the short term, because you can. Even if you re starting from scratch to build a credit history for the first time, within two to six months, you ll have a history long enough to be scored..If it s a credit card you should keep the balances as low as possible, ideally paying in full each month. Never have a balance greater than percent of your credit limit. It takes at least three months and often six months of activity before a credit score can be calculated..Building credit takes time, but using a credit card and paying the bill each month can help. However, it s important to realize that you may not see immediate .
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