If you have little or no credit history, you're not behind — you're early. A thin file just means the bureaus don't have enough positive information to judge yet. The fix is to add a little, steadily, without overdoing it.
Your moves: turn on Experian Boost (free). Set autopay on every bill you already pay. Open one positive account chosen with the Course 2 tools — a $0-fee secured card or a credit-union credit-builder loan are reliable first picks. If a trusted person has an old, clean, low-balance card, ask to be added as an authorized user as a supplement. That's it. Resist the urge to open several things at once to "catch up" — one account, used well for months, is what thickens a thin file.
What to avoid: opening more than one new account in a short window; closing the account you just opened before it builds history; and any "score hack" service promising fast file-thickening (those belong in the Proceed With Caution area). Patience is the strategy here — the history has to age to be worth anything.
Before you open anything, check the timing with FundFoundr — we'll make sure it fits what's happening on your file.