Comments on: How long does it take to have a credit file? http://creditconnectpro.com/how-long-does-it-take-to-have-a-credit-file/389/ Free Credit and Debt Information Thu, 09 Feb 2012 14:55:24 +0000 http://wordpress.org/?v=2.7 hourly 1 By: annazzz1966 http://creditconnectpro.com/how-long-does-it-take-to-have-a-credit-file/389/comment-page-1/#comment-911 annazzz1966 Tue, 23 Jun 2009 15:43:13 +0000 http://creditconnectpro.com/how-long-does-it-take-to-have-a-credit-file/389/#comment-911 You won't have any credit history if you keep paying off the bill in full each month. The whole point of getting credit is showing that you can use it responsibly. You need to pay monthly installment payments for three months and then on the fourth month, you'll have credit. Pay the card off in full every 6 months. You won’t have any credit history if you keep paying off the bill in full each month. The whole point of getting credit is showing that you can use it responsibly. You need to pay monthly installment payments for three months and then on the fourth month, you’ll have credit. Pay the card off in full every 6 months.

]]> By: Floppy http://creditconnectpro.com/how-long-does-it-take-to-have-a-credit-file/389/comment-page-1/#comment-910 Floppy Sat, 20 Jun 2009 18:38:07 +0000 http://creditconnectpro.com/how-long-does-it-take-to-have-a-credit-file/389/#comment-910 When I got in the US I was 23 and had 0 credit. I got my first CC when I was 24. Since than I never had a late payment or any other negative factors in my credit and I am still under the FICO US average (which is 723). So 5-10 years should be the time it takes to establish a good credit history. BTW some Credit Card Companies wont even issue a card to your unless you have 3-5 years of history. Hope that helps When I got in the US I was 23 and had 0 credit. I got my first CC when I was 24. Since than I never had a late payment or any other negative factors in my credit and I am still under the FICO US average (which is 723). So 5-10 years should be the time it takes to establish a good credit history. BTW some Credit Card Companies wont even issue a card to your unless you have 3-5 years of history.

Hope that helps

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