How to build credit from scratch
Your credit history in the U.S.
4 steps
Your progress — 0%0/4
Credit determines if you can rent, get loans, or work in certain industries
You deposit $200-500 as collateral. OpenSky, Discover Secured, and Capital One Platinum are options
On-time payment is 35% of your score. Set up automatic payments
Use Credit Karma or the free report at AnnualCreditReport.com