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While holding my opinions back...
It took me about 2 years of starting my credit to build it up to around 649. After 5 years now my credit score is 750. I've never had a late bill, I pay off my credit cards (4ea) every month and don't own a house.
I started building my credit as soon as I turned 18 by applying for a couple credit cards and a cell phone. It's taken 5 years with very good history to build it up to 750 so far. It's still going up thankfully but that should hopefully answer your question from my own perspective.
Right now I qualify for 4.74% interest for up to a 84 month loan at my credit union. That's the lowest interest rate they offer.
Hope this helps.
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