How can I build credit if I have none?

To build credit if you have none, you can start by applying for a secured credit card or becoming an authorized user on someone else's credit card. Make small purchases and pay off the balance in full each month to establish a positive credit history. Additionally, consider taking out a credit-builder loan or applying for a credit-builder account with a financial institution. Regularly monitoring your credit report and score can also help you track your progress.