It takes a while to build a great credit score, but it's not as difficult as you might think it would be.

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.

So I headed to the store and was turned down flat because I didn’t have a credit score. A few months later I had a cellphone , and today I have excellent credit scores. In order to have a credit ...