Believe it or not, there is no such thing as a zero credit score. Even if you have no credit history, your credit score is not zero. However, you are “credit invisible,” meaning the three major credit bureaus do not have a credit history on you. To make yourself “visible” to the credit bureaus, you can do the following: Get a retail store card: A retail store will likely give you a branded credit card you can use to establish credit. Make sure to pay off your entire balance every month and ask the store to report your payment history to the credit bureaus. One such example is the Fingerhut Credit Account, which is easy to be approved for and charges no annual fee. Opt for a secured credit card: If you don’t qualify for a traditional credit card, try a secured credit card. While a secured credit card will require a deposit, it can help you build credit as long as you use it responsibly. Take out an auto loan: Find a lender that will give you an auto loan and make your payments on time to build your credit. You may want to get a cosigner to secure a better rate and terms. Monitor your credit history: After you’ve taken steps to establish credit, visit AnnualCreditReport.com to get a copy of your credit reports from Experian, TransUnion, and Equifax. Dispute any inaccurate information that can bring your credit score down.