Building Credit: How Long Does it Take?

  • Payment history. Do you have a history of consistent, on-time payments or a record of late payments and delinquencies?
  • Credit utilization. How much of your credit are you using?
  • Length of credit history. How long have you had credit to your name?
  • Credit mix. Can you responsibly manage a variety of credit, from loans to credit cards?
  • New credit. Do you have new hard inquiries on your report that have caused your score to dip?



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Aaron Bouren

Aaron Bouren


Aaron Bouren, CEO of Bouren Ventures, is an entrepreneur, public speaker, sales trainer, and marketing expert. Learn more at