If you want to build credit from nothing or rebuild your poor credit , you ll need a lot of patience and better financial habits..The good news is that it doesn t take too long to build up a credit history. According to Experian, one of the major credit bureaus, it takes between three and six months of regular credit activity for your file to become thick enough that a credit score can be calculated..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..It takes at least three months and often six months of activity before a credit score can be calculated. Make a small purchase each month and then pay it in full right away to show you are responsible with your credit use. In time, you will build strong credit scores..Everyone starts out with a blank slate when it comes to their credit reports. The trick, of course, if you have never established any type of credit, .
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