How to get started on credit score

1. Credit scores are daunting! Totally okay to head scratch with no idea of how to start. 

2. One simple step is outlined in this NerdWallet article: 

https://www.nerdwallet.com/blog/credit-cards/secured-credit-cards-vs-unsecured-difference/

Specifically from the article, "A secured credit card is backed by a cash deposit you make when you open the account. The deposit is usually equal to your credit limit, so if you deposit $200, you’ll have a $200 limit...  Once the initial deposit is paid, secured cards work just like unsecured ones:

• You can use them wherever credit cards are accepted, including online
• You can build or rebuild your credit by using the card responsibly and paying your balance on time
• You incur interest if you carry a balance"

Now, I'm not sure what the minimum balance you can place on a card, and I'm cognizant of money being tight (been there - seriously, nothing is forever beyond, well, that one thing!)... but if $50 is all you've got, and you can place it on a card, start there. It's a good way to begin slowly establishing a credit score.  

Remember Rome, and a great credit score, weren't built overnight... but they were both ultimately built. You can do it!