How do I build credit from scratch?

Start with a secured credit card — you deposit cash as collateral, which becomes your credit limit. Use it for small recurring purchases (like a streaming subscription) and pay in full every month. After 6–12 months of on-time payments, most issuers will upgrade you to an unsecured card and return your deposit. Becoming an authorized user on a responsible family member's card can also fast-track your credit history.