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.

Building credit score from scratch requires discipline with timely payments, low credit utilisation, credit-builder loans, authorised user benefits, and monitoring reports to achieve strong financial ...

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.