Direct Answer
Start with one secured credit card or credit builder loan, use it for small monthly purchases, and pay it off in full each month. Add a rent reporting service like Boom or Experian RentBureau. After 6 months, you'll have a real FICO score and can qualify for unsecured cards. Here at Credisure Fix, we map out the exact step-by-step build so you don't waste time on accounts that don't move your score.