Building credit from zero might sound complicated, but it really comes down to a few smart steps. If you’ve never had a credit card or loan, that’s okay — everyone starts somewhere.
This guide is here to walk you through exactly how to start building credit, even if you’re totally new to it.
What Is a Credit Score?
A credit score is a 3-digit number that shows how well you manage borrowed money. It ranges from 300 to 850, and the higher your score, the better.
Lenders, banks, landlords, and even some employers use your credit score to decide if they can trust you with money or responsibilities. A good score can unlock better credit cards, lower interest rates, and more financial opportunities.
So if you don’t have a score yet, that’s not a problem — but the sooner you build one, the better off you’ll be.
Step 1: Get a Starter Credit Card
One of the easiest ways to start building credit is by opening your first credit card. But if you have no credit history, not every card will approve you — that’s why you should look for beginner-friendly options.
A secured credit card is a great place to start. You pay a deposit (usually $200), and that becomes your credit limit. You use it like a regular card, and your payments are reported to the credit bureaus — helping you build a score.
Other options include student credit cards or store cards, which often have easier approval requirements. Just make sure the card you choose reports to all three major credit bureaus: Experian, Equifax, and TransUnion.
Step 2: Become an Authorized User
If you don’t want to open your own card right away, there’s a shortcut: become an authorized user on someone else’s credit card.
That means a trusted person (like a parent, sibling, or partner) adds you to their existing credit card account. You don’t need to use the card at all — their positive payment history can start building your score.
This works best if their account is in good standing, meaning they pay on time and keep their balance low. If they manage the card well, you benefit too.
Step 3: Always Pay on Time
Nothing builds your credit score faster than paying on time, every time. Your payment history makes up the biggest part of your credit score (about 35%), so it really matters.
Even if you only spend a little each month — like $20 for gas or coffee — just make sure to pay it off before the due date. One late payment can stay on your credit report for years.
To make it easy, set up autopay or calendar reminders so you never miss a payment. Think of your credit card like a debit card: only spend what you can afford to pay off.
Step 4: Keep Your Balance Low
Another key factor in your credit score is called credit utilization — basically, how much of your credit limit you’re using.
If you spend too much of your limit, it can hurt your score. Experts recommend keeping your balance below 30% of your limit — and under 10% is even better.
So if your card has a $300 limit, try not to carry a balance higher than $90. Paying off your balance in full each month is ideal, but even just keeping your balance low can help you grow your score faster.
Step 5: Check Your Credit Score and Report
Once you’ve started using credit, it’s a smart move to track your score and review your credit report.
There are free tools like Credit Karma, Credit Sesame, or even your bank’s app (like Discover or Capital One) that let you see your credit score anytime.
This helps you stay on track, spot any errors, and feel more in control of your progress. If you see something wrong — like an account you didn’t open — you can dispute it with the credit bureaus.
Keeping an eye on your score is a good habit to start early.
How Long Does It Take to Build Credit?
You won’t have a score right away, but usually, within 3 to 6 months, you’ll start to see one appear.
As long as you’re using your card responsibly (paying on time, keeping balances low), your score will keep improving. Within 6 to 12 months, you could be ready to apply for better cards, car loans, or even a mortgage down the road.
The key is consistency. You don’t need to rush or spend a lot — just be steady.
Final Tips for Credit Newbies
- Don’t apply for too many cards at once — space out your applications to avoid hurting your score
- Keep your first card open, even if you upgrade later — it helps your credit history grow
- Stick with it — good credit opens doors, and the earlier you start, the better
Think of credit like a plant: small at first, but with regular care, it grows strong.