The short answer
The time to build credit history depends on whether you have existing accounts and how they are reported. A first score may appear after three to six months of activity on a new account. A fuller history with varied accounts typically develops over one to two years of consistent reporting.
Partner option
Review your credit reports with TransUnion
If you want to check your own credit reports, you can do so directly with TransUnion, one of the national credit reporting companies. This is a commercial option offered separately from our credit education content.
Visit TransUnion to review your credit report (opens in a new tab)
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