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.

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.

If you’ve never taken a loan or used a credit card, here’s how to build your CIBIL score step by step and avoid early credit mistakes as a first-time borrower.