To build a credit score, start with a secured credit card or become an authorized user on a trusted account. Pay bills on time, keep credit utilization below 30%, and consider a credit-builder loan.

For those starting from scratch, building credit might seem daunting, but with the right strategies, it's possible to establish and improve your credit score in less than a year.

Here’s how to make it better If your credit score needs help, beware of credit repair companies because many are scams. And legitimate ones sell you things you can do yourself for free.