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How Long Does It Take to Build Credit?

If you have never used credit before, it will take a minimum of three to six months to build a scorable credit history.

Once you have opened a credit card or installment loan, it takes approximately 30-45 days for the creditor to report the account to Experian. Typically, an account is reported at the end of the first billing cycle after your first payment is due.

Once the account is reported, you will have a credit history established in your name. However, it generally takes at least three to six months of activity on the account before a credit score can be calculated. There must be sufficient payment history for the account before it can be included in credit scores.

Be sure to keep your account open and active and, if you are using a credit card, keep your balance low and pay the account in full each month. This will help you create a positive credit history, building your credit scores over time.

Learn more about how long it takes to build credit on the Ask Experian blog.

Check out the scope to hear answers to all the questions asked.

Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 3:00 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 11/9/2017

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