Starting from zero can feel like a Catch-22- you need credit to build credit. FinanciFI Coaching shares practical ways to establish your first credit lines, from authorized user status and secured cards to co-signing and student loans, all while avoiding common pitfalls.

Payment history, credit utilization, account age, credit mix, and new credit- all five influence your FICO® Score. This post explains how each component works and what small, consistent actions can make your score climb faster than you might think.