Building credit takes time and patience. The time it takes to get to 750 (which is considered a “very good” FICO® Score and a “good” VantageScore®) depends on your current credit score. If you are already at 700, then it will take you a few months to get to 750 with consistent good credit behavior – like paying your bills on time, maintaining a low credit utilization rate, not applying for multiple new credit accounts at once, and keeping old credit cards open even if you don’t use them much.
According to Experian® data from 2022, most people with a credit score above 730 are over 60 years old. This means that the length of your credit history, experience managing diverse credit accounts, and having a stable income history, all contribute to improving your credit score. It is not so much age, but consistency and time that influences your credit scores. If you are just beginning your credit journey, it may take a few years for you to get to 750. The only way to improve your credit score to any range is to continue following good credit habits.
