How can you build up a credit score that has fallen to 0 even without having credit cards?
I think the lowest possible credit score one can have is 300, not zero. But, to answer your question, starting with a bank-issued secured credit card (that the cardholder has to put down a deposit for) is probably the fastest way. Also, some utility companies (like cell phone companies - not the pre-paid ones) do report credit, good or bad. So, always pay your bills on time and try to use only companies that do report to the credit agencies.
Our credit score system is broke. If you haven't had debt, never had any late bills, and have never had a line of credit through a business that turned in all transactions you will have no credit score. If you have a zero credit score, I would suggest you keep it. You shouldn't go into debt, or waste money on interest to try and raise your score. Our country is addicted to debt and use it to run everything. There are uses for it in business where it can increase earnings, but it is not good for a person if they don't need it.
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