Here’s how to make it better If your credit score needs help, beware of credit repair companies because many are scams. And legitimate ones sell you things you can do yourself for free.

Tips on how you can build credit score from scratch Use secured credit cards: Getting secured credit cards with fixed deposits are one of the best methods for starting your credit journey.

If you’ve never taken a loan or used a credit card, here’s how to build your CIBIL score step by step and avoid early credit mistakes as a first-time borrower.