How do I build credit from scratch with no history?

Start with a secured credit card, where you deposit money as collateral and it becomes your credit limit. Use it for small purchases and pay the full balance every month. After 6-12 months of on-time payments, you'll have enough history to qualify for regular cards. Other solid options include becoming an authorized user on a family member's account, which lets their history boost yours, or taking out a credit-builder loan from a credit union. The key factors are paying on time every time, keeping your balance below 30% of your limit, and being patient. Most people can build a decent score within 12 to 18 months of consistent responsible use.