Expect 1–3 months for initial reporting and 2–3 billing cycles for accounts to appear on your profile. Within 3–6 months, you may have enough reported trade experiences to generate D&B PAYDEX, Experian Intelliscore Plus, and Equifax Payment Index scores. After 6–12 months, you may qualify for no-PG corporate cards and small credit lines, while a well-established credit history, which traditional banks require, can take 1–3 years.