4 Ways to Safely Build Credit When You Have None

If you don’t have a credit history, you might have a low or non-existent FICO credit score (the three-digit number that financial institutions use to determine an individual’s creditworthiness).

Unfortunately, a good credit score is necessary for a lot of common situations — trying to secure a car loan, get a credit card, or pass a rental application for an apartment, to name a few.

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