How do I build a US credit score from scratch as a newcomer with no credit history?

Start by getting on the credit grid. The fastest paths are a secured credit card (you deposit, say, $300 and that becomes your limit) or a starter card aimed at newcomers, some issuers accept passport and visa instead of years of history. Becoming an authorized user on a trusted person's seasoned card can also jump-start your file. Then do the boring things that build a score: pay every bill in full and on time, keep your utilization under about 30% (ideally under 10%), and avoid opening many accounts at once. A score typically appears within six months of your first reported account. Don't chase rewards cards yet, build the foundation. See wealthserene.com/tools/credit-score-simulator.