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Building a Credit Score From Scratch

 Building a Credit Score From Scratch
Young adults starting out on their own, or recent immigrants, or others who just haven’t had a chance to build up their credit often bump into a cold fact of financial life: Having no credit history can limit your options just as much as having bad credit does. Lenders, rental offices and insurance companies use your financial track record to judge how likely you are to pay debts and bills — and if you're a blank slate, you're generally considered a risk.

Building a Credit Score From Scratch: 5 Easy Steps

Building credit can be tricky. Without a credit card, it's hard to build credit history. Without credit history, it's hard to qualify for a credit card. But if you start at the bottom and use credit responsibly, you can slowly work your way up to an excellent credit score. Just follow the Nerds' step-by-step plan to build a solid credit history.

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