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How Long Does It Take to Build Credit Score?
It depends. If you have no credit history, it will take time to build a credit score. The amount of time will vary depending on the scoring method used. For example, FICO® scoring models will typically take longer to generate a score for you if you don’t have a credit history than if you have a history of using credit responsibly.
If you have a bad credit history, it can take even longer to build a good credit score. You may need to demonstrate responsible credit behavior for at least 12 months before your score begins to improve.
In general, the higher your score, the more likely you are to qualify for loans and lines of credit at favorable rates. So, if you’re trying to build your credit score, be patient and focus on using credit responsibly over time.