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Building Credit from Scratch—A Step-by-Step Guide
If you’re just starting out and have little or no credit history, here’s how to build your credit from the ground up:
Apply for a Secured Credit Card: These require a deposit and are easier to obtain with no credit history.
Become an Authorized User: Ask a family member with good credit to add you to their card.
Take Out a Small Credit-Builder Loan: Some banks and credit unions offer these specifically to help you establish credit.
Pay All Bills On Time: Even utilities or phone bills can sometimes be reported to credit bureaus.
Monitor Your Progress: Use free credit monitoring tools to track your score and set goals for improvement6.
Building strong personal credit opens doors to financial opportunities and greater peace of mind. Start today, and your future self will thank you.