The trick to building your credit reputation from scratch is to start small. Do not jump to buying a house or leasing a car with zero credit. You could become an authorized user of an existing credit account, like a family member’s credit card. Apply for a secured credit card, which has lesser scrutiny in terms of credit score. Build your credit score gradually by paying utility and cell phone bills from your account every month. Improve your credit score by enrolling in our Reset Your Debt program.