Building credit from scratch can feel like a Catch-22: You need a credit card or loan to start building up your credit scores, but you need good credit scores to get approved for credit cards and loans. So where do you start? As a financial educator and former NFCC-certified credit counselor, I've helped thousands of people answer this question. Believe it or not, there are simple steps that anyone can follow to build credit from scratch. Of course, you probably won’t achieve good credit overnight, but ...