If you have no credit history, it will take up to six months to get a FICO score and a month to get a VantageScore. If you have a poor credit score, it can take up to 1-2 years to build a good credit score. Of course, you have to make full on-time payments every month. Note that public records such as bankruptcies take 7-10 years to disappear from your credit reports. They’re less powerful the older they are though.