It takes a while to build a great credit score, but it's not as difficult as you might think it would be.

To build a credit score, start with a secured credit card or become an authorized user on a trusted account. Pay bills on time, keep credit utilization below 30%, and consider a credit-builder loan.

Credit Score: How to build a strong credit history from scratch? 4 key tips Credit Score: New borrowers can establish credit through secured credit cards and timely bill payments. It's essential ...