The time it takes to build credit can vary depending on various factors such as your current credit history, financial habits, and actions taken to establish credit. Generally, it takes about 6 months to a year of responsible credit behavior to start building a noticeable credit history. However, significant improvements and higher credit scores may take several years of consistent positive credit activity, including making on-time payments, keeping balances low, and diversifying credit accounts.
Additionally, keep in mind that building credit is a gradual process and requires patience. It takes time for credit reporting agencies to update your credit history and for lenders to assess your creditworthiness. It's important to establish a good credit foundation and maintain healthy financial habits over an extended period to build a strong credit profile.