<prompt> Human: So, Im usually really good with money. No debt, but until very recently, very litttle credit. Like Ive had utilities in my name, but thats about it. How long doom think it will take my secured cardpaying off the balance each month to give me a credit score? And how long to get a good one? Also Im 24, btw.  <response>: It takes 6 months of payments or non-payments, if youre doing everything wrong to get a FICO credit score the one most banks and credit card companies look at. It takes 2-3 months to get a Vantage score the one you see on Credit Karma. If youre paying your balance in full each month, have no late payments, dont max it out, and dont have a bunch of hard pulls new credit card applications, etc, then you should have a good score once its created. It wont be perfect, since youve only got one thing on your credit history utilities bills dont count, but it will be decent. 