New to Credit? How to Build a Score from Scratch

General information only; not financial or tax advice. Laws and lender policies change—verify specifics before acting.

Slow and steady—6–12 months to establish a track record.

With no past loans, bureaus can’t rate your risk. Start with low‑risk products like secured cards or small ticket loans and build history.

Consistency matters more than speed—pay on time, every time, and avoid opening too many accounts at once.

• Maintain <30% utilisation; clear dues in full.
• Keep accounts open to age your profile.
• After 9–12 months of good history, consider mainstream cards/loans.