How to Build a Credit Score from No Score
                     How to Build a Credit Score 
from No Score
Many of us come across our credit score at some 
point in our lives. But what about those without 
credit history? If you have never had a credit card 
or loan, your credit history is likely to be blank. 
Moreover, having no credit history means that 
there is no record of how you might manage debt, 
so these people can face loan/credit card rejection.
Secured Credit Card
A secured credit card has a great possibility, in the 
absence of a credit history, the lender will not give 
an unsecured card to you, it is very easy to use 
without any collateral or guarantee. But don't lose 
hope, because you have a choice of secured credit 
cards. There are many lenders known for providing 
these cards with fixed deposits of a certain amount. 
For example, the SBI Unnati Credit Card and ICICI 
Coral Credit Card with fixed deposit are the few 
options you can consider. 
Bike Loan/Personal Loan
Company payroll account holders 
have a great chance of obtaining 
loan approval, even if they do not 
have an Experian credit score. 
Yes, based on your past records or 
good conditions with the bank, you 
can apply for a bicycle loan or a 
personal loan. Both loans have 
flexible tenure options, so they are 
easy to repay.
Employees of Renowned 
Companies with Good 
Income
• Employees of well-known companies 
with good income work in well-known 
companies and earn good monthly 
income. Even if the credit score is zero, 
it is easy to obtain loans or credit 
cards. 
• Many lenders prefer employees who 
work for CATA or CATB companies 
because of its reliability and security in 
terms of loan and credit card 
repayment. In fact, many lenders also 
provide special credits and loans to 
employees of these companies. 
Savings Account Holders
• Always remember that building a 
credit score from scratch does not 
happen overnight. Have some 
patience, develop the right strategy 
and check credit score online 
to keep a tab on your credit score 
progress.
Clix Capital Services Pvt. Ltd.
Address: 
901b, 9th Floor, Two Horizon Centre, DLF Phase V
Gurgaon, Haryana, India – 122002
Phone Number: 1800 200 9898
Website: https://www.clix.capital/check-credit-score/