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.

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.

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.

With Scratch, a free visual programming tool created by MIT, it's easier to learn the basics of coding and create real, fully-functional projects.