Your credit profile and credit wellness are about how you use your credit – money that's loaned to you by a bank, a credit card or a loan.
Start small and secure. Secured credit cards or loans are accounts where you're getting credit, but it's tied to a cash deposit that the lender can easily collect if you don't make your payments. This can be a great way to start building your history. If you pay your secured card on time, eventually you will be able to qualify for unsecured credit.
Another option might be to co-borrow with a person who has established credit history. Or if you’re a new American resident, you might have a relative or someone who has lived here longer co-sign for you on a loan or credit card to help you get established.