To build a credit score, start with a secured credit card or become an authorized user on a trusted account. Pay bills on time, keep credit utilization below 30%, and consider a credit-builder loan.

Tips on how you can build credit score from scratch Use secured credit cards: Getting secured credit cards with fixed deposits are one of the best methods for starting your credit journey.

It takes a while to build a great credit score, but it's not as difficult as you might think it would be.

For those starting from scratch, building credit might seem daunting, but with the right strategies, it's possible to establish and improve your credit score in less than a year.

Tips on how you can build credit score from scratch Use secured credit cards: Getting secured credit cards with fixed deposits are one of the best methods for starting your credit journey.