Building credit from scratch can be challenging, but there are simple steps to follow. It may take at least six months to generate your first credit score. Becoming an authorized user on someone else’s credit card is an easy way to build credit. Alternatively, consider a secured credit card or a credit-builder loan to establish credit. Joining a lending circle can also help boost your credit score. Store credit cards should be a last resort due to high interest rates and potential overspending. Overall, there are multiple strategies to start building credit effectively.

Read more at Yahoo Finance: How long does it take to build credit from scratch?