How to Build Credit from Scratch in 2025
No credit history? Here’s how to build your score fast using secured cards, credit builder loans, rent reporting, and more.
What Is a Credit Score?
A number from 300 to 850 that shows how financially responsible you are. It affects loans, apartments, jobs, and more.
Ways to Build Credit
- Get a secured credit card
- Become an authorized user
- Use a credit builder loan
- Report rent and bills
- Apply for a student or starter card
Tips for Healthy Credit
- Pay on time
- Keep balances low
- Avoid hard inquiries
- Don’t close old accounts
- Monitor your credit report
How Long It Takes
You can see results in 3 months. A good score is reachable in 6–12 months with responsible use.
“Your credit score is your financial reputation — build it wisely.”
