How to Build Your Credit Score from Scratch with Case study

Building a good credit score upto 750+ (Experian or CIBIL) from zero can look harder to achieve but with the right strategy and the right knowledge. Anyone can establish a strong financial foundation with easy steps, whether you are a student, a young professional or someone who has never taken a loan or used credit cards before. Hi, I am Nanne parmar, a finance expert since 2018, In this article, I am going to share with you the right steps that can help you achieve a high credit score and access better financial opportunities for the future. Just like within a single OTP and getting thousands of cash credit limits for Free.

So, without wasting time, let's start the guide -

Zero Credit Score? No Problem!

We believe everyone deserves financial freedom. If your credit score is low or non-existent, there are special solutions designed to help you improve it quickly.

Let's Understanding Credit Scores and Why It Matters

Your Credit score OR I say you may be familiar with Experian, CIBIL, Equifax, CRIF Highmark, and FICO Score is a three-digit number that represents your creditworthiness to almost everyone. This score is used by banks, NBFCs, and financial institutions to assess your ability to repay loans and credit cards. A higher score improves your chances of getting approved for any credit you want such as credit cards, personal loans, home loans, and car loans, with the lowest interest rates possible.

A good Experian score typically ranges from 750 to above to unlock your premium products like loans with the lowest interest rates and credit cards with higher amounts of credit.
But thing? How can you achieve a 750 credit score when you have no credit history, and almost zero credit, don't worry, Let's take step-by-step approaches to achieve this. 

Step 1: Start with a Beginner-Friendly Credit Card and Secured credit card 

As per my experience, it is one of the easiest way ways to build your credit score is by getting a beginner-friendly credit card. Yes, try an entry-level credit card, or just choose a secure credit card. 

Many banks offer entry-level credit cards with a low credit limit, especially to first-time users. First try, if still failed, go with 100% working technique, go with an FD-back secured credit card. 
All you need to do is, open a apply for a credit card backed by FD. The bank will give up to 95% of your credit limit of the total FD amount you fixed the money. 

Let me share a quick case study - 

Case Study: Sandeep’s Journey from Zero to 788 CIBIL Score

Sandeep, whose credit score could not be rated, did not have proper knowledge of credit cards. Therefore, we began by guiding him into getting started with a OneCard that had a limit of ₹7,000, which he used wisely without ever crossing the limit and paid his bills timely.

In a couple of months, he closed that card but continued to build his score with great financial discipline. Thereafter, improved CIBIL scores opened avenues for better cards for him. So, he received:

ICICI Amazon Credit Card – ₹1 Lakh limit

Axis Bank Flipkart Card – ₹80,000 limit

SBI MoneyBack Card – ₹86,000 limit

Axis Bank IndianOil Card –  ₹136,000 limit

With high chances of approval due to a strong score.

Thus, with a proper approach, Sandeep transitioned from no credit to a great financial profile while numerous other opportunities came through.

You can check more case studies here: 

Step 2: Use Special Credit Solutions to Build Your Score

If you’re just starting, here are some options to improve your credit score:

Credit Score Builder Loans

Boost your credit score with ZET Credit Builder Membership! Pay just ₹500, repay in ₹175 EMIs for 3 months, and get Amazon vouchers. No income proof needed—100% online with quick approval!

Pay Later Services

Many fintech platforms offer Buy Now, Pay Later (BNPL) options that provide small credit limits without requiring a credit history. These can help you build credit with responsible usage.

Student Credit Cards

If you’re a student, some banks offer student credit cards with low limits, making it easier to start building a credit history at a young age.

Step 3: Use Your Credit Responsibly

Once you have a credit card or loan, the key is to use it wisely:

• Pay your bills on time: Even a single late payment can hurt your score. Also, never do the minimum amount due payment to maintain Experian credit score and safe yourself from high debt. 
• Keep credit utilization low: Try to use only 20-35% of your credit limit. I recommend you to use only 30%, so it can easily be payable. 
• Avoid multiple credit inquiries: Applying for too many credit cards at once can reduce your score.

Step 4: Diversify Your Credit Portfolio

As you build your credit history, consider adding other forms of credit such as:

• A small personal loan (if necessary)

• A consumer durable loan (e.g., financing a phone or laptop)

• Another credit card with different benefits

Step 5: Check Your Credit Score Regularly

Watching your credit score helps you track your progress and correct errors if needed. Many fintech apps and bank websites offer free credit score checks, if you find any error, I recommend you to quickly report it and send mail to fix the issue.

Step 6: Avoid Common Mistakes

1. Don’t max out your credit card limit.
2. Never miss a payment.
3. Avoid unnecessary loans and credit applications.
4. Don’t close old credit cards abruptly. Older credit accounts help improve your credit history length.

Final Thoughts

If you are just starting, always start with a secured credit card or go with an entry-level credit card. Always make payments before three days to maintain relevancy, and each month, check your credit score once at least to maintain your finances for the future.

Thanks! This is my advice for you, if you still have any queries, please comment down below, this is your finance expert, Nanne Parmar, ready to help you whenever you want. 

Also, you can google my name: Nanne Parmar and ask for help. Thanks Again.