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How to Build Credit When You Have No Credit History [2025 Guide]
Starting with no credit history can feel intimidating — but everyone has to start somewhere. With the right moves, you can build a strong credit profile faster than you think. Here’s how to get started.
For more financial tips, click here.
1. Apply for a Secured Credit Card
Secured credit cards are designed for people with no credit. You put down a deposit (usually $200–$500), and that deposit becomes your credit limit.
👉 NerdWallet’s guide to the best secured cards can help you find the right one.
2. Become an Authorized User
Ask a family member or close friend with good credit to add you as an authorized user on their credit card. Their positive payment history will help build your score — without you needing your own credit card right away.
3. Get a Credit Builder Loan
A credit builder loan is a small, low-risk loan where the money is held in a bank account until you’ve made all the payments. It builds payment history, which is a big factor in your credit score.
👉 Self is a popular service offering credit builder loans.
4. Report Rent and Utility Payments
Services like Experian Boost can add your on-time utility and phone payments to your credit report, giving you a boost without taking on debt.
5. Always Pay On Time
Payment history makes up 35% of your FICO® Score. Set reminders or automate payments to ensure you never miss a due date.
6. Keep Balances Low
If you’re using a credit card, try to keep your balance below 30% of your limit. This helps your credit utilization ratio, another big part of your credit score.
7. Be Patient and Consistent
Credit building doesn’t happen overnight. Stay consistent, avoid opening too many new accounts at once, and let your good habits build a solid score over time.
Final Thoughts
Building credit with no history is totally doable — it just takes a smart strategy and a bit of patience. With these steps, you’ll be well on your way to a strong financial future.
P.S. For more beginner-friendly credit tips and financial advice, visit Date Night Now — your 2025 guide to smarter money moves!
