Credit Score 18 Dec 2025 1 min

Build Credit from Scratch in 6 Months

A step-by-step playbook for establishing strong credit.

Marcus Lee
Marcus Lee
Credit score specialist and consumer finance educator.
Build Credit from Scratch in 6 Months

Building credit starts with a secured card or credit-builder loan. Consistency is the key.

Six-month plan

  1. Open a starter card and keep utilization under 10%.
  2. Set autopay for the full balance every month.
  3. Check your score every 30 days to track progress.
Marcus Lee

Marcus Lee

Credit score specialist and consumer finance educator.