The way to get the CC companies to report to the CRA's is to use it, charge something like gas for the car or something small like that.
When they report her activity she will have an account that will begin to age.
If your'e curious about how long this takes, that, is a more complex question. When she uses it she will get a statement a few days after their billing cycle ends, so that is a date you can't predict unless you call and ask them. By the way she will want to know that the CC company reports the balance of her account any where from 3-7 days after the billing (statement) date, every company is a bit different, to the CRA"s.
Now that the CRA's have the information they will report to FICO, when she buys her score, and FICO inputs the data to their formula and she gets her score.
Don't take this as the absolute truth, things change constantly, but it is my experience
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739