How do I build credit with no credit history?

The easiest starting points are a secured credit card or becoming an authorized user on someone else's account. A secured card requires a cash deposit that becomes your credit limit, and most major banks offer them. Use it for small purchases and pay the full balance every month without fail. You can also look into credit-builder loans from credit unions or banks, where you make payments into a savings account and the activity gets reported to credit bureaus. Some services like Experian Boost let you get credit for paying utility and streaming bills. The key is consistency: pay on time every time, keep your balances low, and within 6 to 12 months you should have a solid starter score.