How long does it take to build credit?
A FICO Score needs at least one account open for 6 months that has reported in the last 6 months. Starting from zero, the calendar is the first hurdle.
Reviewed by Alex Thomas · Updated Nov 5, 2026
With a first account opened on Jan 15, 2026, a FICO Score is usually possible from Jul 15, 2026, once the account is 6 months old and reporting.
Paying on time and keeping balances low matter more than the calendar. These are the earliest dates, not a promise of any score.
Feb 15, 2026
First report to the bureaus
Issuers usually report once a month, around the statement date.
Reached
Jul 15, 2026
A FICO Score can be generated
The account is 6 months old and has reported. Your score may start lower than it will be later.
Reached
Oct 15, 2026
Secured card upgrade reviews
Many issuers review secured cards for an upgrade or deposit refund after 6 to 12 months of on-time payments.
Reached
Jan 15, 2027
One year of history
The hard inquiry from your application stops counting toward your FICO Score.
Upcoming
Jan 15, 2028
Inquiry leaves your credit report
Hard inquiries stay on your credit report for 2 years.
Upcoming
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Questions
How long does it take to get a credit score with no history?
Does a checking account build credit?
How fast can I go from secured to unsecured?
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Read guide →- How do I get my first credit card?Your first credit card usually comes from your bank or credit union, or as a secured card backed by a refundable deposit. Apply with your SSN or ITIN, a US address and your income. Under 21, you need your own income or a co-signer. Pay on time and your credit history builds from there.
- Does a checking account build credit?A checking account doesn't build credit. Experian, Equifax and TransUnion typically leave checking accounts out of credit reports, and debit card spending isn't borrowing. A checking account can still hurt your credit, though. An unpaid negative balance sent to a debt collector may show up as a collection on your credit report.
- How does a credit card work?A credit card lets you borrow up to a set credit limit to pay for things. Each month you get a statement with a minimum payment and a due date. Pay the full balance by the due date and most cards charge no interest on purchases. Pay less and the rest accrues interest at the card's APR.
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