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.

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.

Credit Score: How to build a strong credit history from scratch? 4 key tips Credit Score: New borrowers can establish credit through secured credit cards and timely bill payments.