From zero to perfect score: how to build credit history in the U.S.?

Want to take out a loan but don’t have a credit history?
Without a credit score, banks and lenders may see you as a high-risk borrower. But here’s the good news: even if you’re starting from scratch, you can still build excellent credit.
Here’s how to do it:

1. Get a Social Security Number (SSN) or ITIN

Your U.S. credit history is tied to your SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number).
If you don’t have one yet, start by applying — banks need this to track your credit activity.

2. Open a beginner’s credit card

If you don’t have a credit history, getting a traditional credit card might be tough then. Try one of these beginner-friendly options:

Secured Credit Card – You pay a deposit that acts as collateral. Once your score improves, you can upgrade to a regular card and get your deposit back.
Credit-Builder Loan – A small loan held in a locked account while you make fixed monthly payments. When it’s paid off, you get the money — and a solid start to your credit history.
Retail Store Cards – Store-branded cards (like Amazon or Target) are easier to get and can help build your credit with responsible use.

3. Connect to someone else’s credit history

If a trusted family member or friend has good credit, ask to be added as an authorized user on their credit card. Their positive history will start helping yours, even if you don’t use the card yourself.

4. Always pay on time

On-time payments are one of the biggest factors in your credit score.
Even before you get a credit card, pay your rent, phone, internet, and utility bills on time. Some services can even report these payments to credit bureaus to boost your history.

5. Keep your credit utilization low

If you already have a credit card, try not to use more than 30% of your available limit.
For example, if your limit is $1,000 keep spending under $300. This shows lenders you can manage your finances responsibly.

6. Regularly check your credit report

Credit report errors happen and they can hurt your score.
Once a year, request a free credit report from Experian, Equifax, and TransUnion. Review it carefully and dispute any mistakes you find.

7. Don't apply for multiple credit products at once

Each credit application triggers a hard inquiry, which can temporarily lower your score.
Avoid applying for several credit cards or loans at once — it may raise red flags for lenders.

Conclusion

Building credit in the U.S. takes time and smart money habits.
Start small, use credit wisely, pay on time, and keep an eye on your financial activity and over time, you’ll earn a strong score and better loan offers.

Want to go further or find the right credit strategy for you?
Talk to our experts — we’ll help you take the first steps toward financial independence!

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