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.

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 ...

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.