
No Credit History? How to Build a Stellar Credit Score from Day One
No Credit History? How to Build a Stellar Credit Score from Day One Table of Contents Quick Hits (Your Credit-Building Blueprint!) Zero credit history means no score yet. Start building in 3–6 months; hit “good” credit (670+) in 12–24 months. Use secured cards, authorized user status, or credit builder loans to kick things off. Keep utilization <10%, pay on time,