Your credit score doesn't start at zero; it's non-existent until you begin building credit, typically starting at 300. You can start building credit at 18 by obtaining a loan or credit card. Credit scores can be built without a credit card through various means such as authorized user status, credit-builder loans, personal loans, repaying existing loans, secured cards, rent payments, and employment. Regularly obtaining and reviewing credit reports from the major bureaus is essential for maintaining a good credit history.

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