1) Try to save your initial salary

It is natural to get a little distracted with all the money coming to you from your new job, but the rational approach to it would be to save the majority of your income and pay down your existing loans, like education loans. Andif you have no outstanding loans, maintain a strong savings history which would help you get a credit card

2) Piggy-back off a family member

Get a credit worthy co-signer with you, which is one of the easiest ways to start off when you are a beginner. The banks would agree to offer you credit with a responsible and credit worthy co-applicant with you, which otherwise you wouldn’t have been able to avail.

3) Get a credit card

In your initial days; it is really important to show the lenders that you are responsible towards your credits. But for a beginner with not credit history, it often becomes difficult to get one. As a beginner one should also consider secured credit card options which can be availed by most people. Secured credit cards- These cards are like debit cards where the credit limit is secured against fixed deposit (“FD”) so there is no risk of default by the credit card holder.

Apart from the above mentioned points, also consider checking your credit reports frequently and try and identify your weak areas so that you can swiftly escalate your scores.