If you are building credit from scratch, it takes at least 6 months of on-time payments for your file to become thick enough to calculate your credit score. Depending on your credit history, FICO assigns users a credit score of at least 300 to 850.
For new users, the credit score can be in the poor to fair credit score range, and it will take another 6 to 12 months to accumulate enough history to move to the next credit score category.
However, getting a good to excellent credit score takes years of good credit habits such as on-time bill payments, keeping a low credit utilization ratio, and only taking new credit cards when need arises.
If your fair credit score is in the upper limits, you can move to the good credit score range in 3 to 6 months. Maintaining good credit habits and fixing errors on your credit report can help you accumulate more points to push you into the good credit score category.
For example, if the credit report contains old debts that were paid but remain open or active debts that you did take, you can dispute these entries with the credit bureau and have the transactions removed.