The primary factors that affect your credit score include payment history, the amount of debt you owe, how long you've been using credit, new or recent credit, and types of credit used. Each factor is weighted differently in your score.
There’s no one-size-fits-all answer to the question of how long it takes to establish credit. But one thing is certain: There are no shortcuts.
Establishing good credit takes time. But the good news is that you could get a step closer every time you use credit responsibly. By the end of this course you will have the skills and knowledge to take control of your credit and will feel confident that you can build a score that takes you one step closer to your financial goals.