I never had any credit report but i open 2 credit cards and i paid them within full this month,how months untill it shows that i have polite credit. I thought ill ask here wile am doing my own scour. thank you!! Seven years.

Your two most recent years are most heavily weighted. So, if you don't even have 24 months, that will bring you down.

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many bank will look at how the first six months payment history be in charge to consider you having a well-mannered "payment history". Then you own a good "credit history" which take about I'd say-so 24 - 36 solid months to start building and up to five years.
After six months you may be eligible for a lower rate on the account or even a credit file increase if you continue paying well-mannered and on time. Hope this help. i dont know how long, but do keep hold of using them to buy something and pay them bad.it helps you build accurate credit.

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12-18 months, minimum

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Answers:    6 mo's

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you should go to http://wiz.sc/credit-report , they really help me out on giving me excellent free advice.
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