» SIGN UP: Get your free credit score and track your progress If you’re building your credit score from scratch, you’ll likely need to start with a secured credit card.
A secured card is backed by a cash deposit you make upfront; the deposit amount is usually the same as your credit limit.
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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. To have a FICO score, for example, you need at least one account that’s been open six months or longer, and you need at least one creditor reporting your activity to the credit bureaus in the last six months.
We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place?