How long does it take for your credit score to change after getting a auto loan and paying on time?

i just got a credit card in november 2007 paid on time since just got auto loan in december 2007 paid on time i know it haven't been long since but wondering when to expect change in my current score trying to build credit up one is 639 the other too is zero i'm just learning about credit and i take it very seriously wish i would have knew then what i know now about it it's your life.

How long does it take for your credit score to change after getting a auto loan and paying on time?
It usually takes 6+ months of ontime payments to each of your accounts before you start seeing significant increase in credit score. The longer you keep perfect payments on each account, the higher your score will go though.

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