Answer: -Your credit score is determined by more than just paying your bills on time.It depends on how often you apply for new credit, what percentage of your existing credit you are using and the age of your credit relationships.Also things like drunk driving convictions and even speeding tickets or not paying library fines can effect you score.Since more recent events are weighed more heavily, your credit score can rise - or fall - rather quickly.I can't answer your question exactly. I would say a year or two. -Ok, you better give me best answer on this one. In order to bet a perfect score, you need four revolving trade lines for about two years. Try to mix it up as well, credit card, auto loan, home loanetc... If you want results before that, you find someone who has had a credit card for like 5 or more years with a good payment history, and have them make you an authorized user on their account. they can cut the card if they want. Within 90 days, their pay history will be implanted on your credit report, thus making your score shoot up!! But with one card, you cant do much, but it will go up slowly in a couple. Also, the more money you spend and pay off helps. -Perfect credit looks something like this:2 revolving trades, low or zero balance2 installment loans (auto + student loan for example)1-2 mortgages (1st and 2nd for example)All balances must be low in relation to the original amount lentAll trade lines 5+ years old or longerNo late payments or charge offs.