Building credit is crucial for renting apartments, securing loans, and even job opportunities. If you’re starting from zero, here are actionable steps to establish your credit history.

1. Get a Secured Credit Card: These require a deposit and help build credit as you use and pay them off responsibly. Choose cards that report to all three major bureaus.

2. Become an Authorized User: A family member with good credit can add you to their card. You benefit from their credit history, improving yours over time.

3. Use a Credit Builder Loan: Offered by some banks and credit unions, this loan holds your payments in a locked account, building credit with each on-time payment.

4. Pay All Bills on Time: Payment history is the most important credit factor. Even utilities or phone plans can be reported through services like Experian Boost.

5. Monitor Your Credit Report: Check for free via AnnualCreditReport.com and dispute any inaccuracies. Use tools like Credit Karma to track your score.

It may take time, but steady, smart financial habits will build a strong credit foundation.