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My SO had untreated bipolar disorder when we met, so her credit was trash from forgetting to pay rent and her car frequently. I got her organized and on a schedule, and once she finally started taking care of herself again and got centered mentally, I spotted her a few hundred for a secured credit card to rebuild her score. She stayed on top of herself for a couple years, and went back to college seriously this time, so she needed a new car as it was over an hour away, so I cosigned for her to get her a decent rate. Now 2 more years later she has somewhere around 8k for a credit limit and a score in the mid 700s last I asked. So 5ish years to rebuild her wrecked credit. Now she's graduating this semester and already got a job offer for like 25% more than I make! Soon it's her turn to pay back my investments in her! 🤣