Every person’s financial history is unique, and we can't say exactly how long it will take to establish a credit score when using a credit builder account.

However, studies have shown that credit builder accounts have helped people establish a credit score in 6 months or less.

For example, according to Nerdwallet.com, it typically takes about 2-3 months of reported payment history for a consumer to establish a VantageScore. Typically, to establish a FICO score, the score used by 90% of lenders, FICO needs at least 6 months of reported payment history.