Five Steps to Build Credit From Zero

Many newcomers arrive with no U.S. credit history. That isn't bad credit. It just means there's no record yet. Here are five common first steps.

1. Open a bank account. It shows stability and makes paying bills easier.
2. Ask about a secured card or credit-builder loan. These are designed for people starting out.
3. Pay every bill on time. Payment history matters most.
4. Keep balances low. Try to use only a small part of your credit limit.
5. Check your credit report for free. Look for mistakes and report them.

Want help making a plan? Join our Credit & Debt workshop.

This is general education, not personal financial advice.