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Mortgage Broker saying it will take 3 months to generate a credit score

I've never had debt other than student loans and never needed a credit card. Broker told me I can't proceed with a mortgage application w/o a cosigner until we can generate a credit score which will take 3 months with my new CC. My lease is up on New Years so I was really hoping I would have a place by then. Is there anyway to speed this up? Would getting a mortgage through a bank maybe be able to go through faster? Making 74k, have 47k saved and was going to put 35k+ whatever I need to get into a cheaper mortgage insurance bracket down but since this is taking longer than I expected I may put more down. Looking in the 250-260k max range which my broker said I should have no problem getting

Edit: In Canada if that makes any difference

submitted by /u/SumTingWong59
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source https://www.reddit.com/r/RealEstate/comments/jk0xex/mortgage_broker_saying_it_will_take_3_months_to/
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