Building credit can take time, but how long? You can’t get a good score instantly, but there are things you can do now to help make a positive impact.

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.

How thick your file becomes depends on how many loans you get during this time, and on how often you use credit. Read more.