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. 
That's right! As far as building a credit score is 
concerned, a guarantee card is an ideal choice. 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
No credit history for bicycle 
loan/personal loan? Don't worry, 
because in this case, you can also 
use the loan to build your credit 
history. Surprised to see this? Well, 
you read it right! If you have a 
salary account, my friend, it can 
also benefit you. Company payroll 
account holders have a great chance 
of obtaining loan approval, even if 
they do not have an Experian 
credit score. 
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. 
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/