Not sure how to build credit without a traditional credit card? In this video, finance educator McKenzie Mack breaks down the five factors of a credit score, including payment history and credit utilization, and walks you through three practical ways to build credit from scratch. Learn how rent reporting, credit builder loans, and secured credit cards can help you improve your credit score and strengthen your overall financial health, no traditional credit card required. Subscribe for more expert-backed money tips and personal finance education 💚 Key Takeaways: - Understand the five factors that make up your credit score and why each one matters for your financial health. - Learn why payment history is the most important factor in building and maintaining good credit. - Discover how rent reporting can turn your monthly rent payments into a tool for building credit history. - Find out how a credit builder loan works and why it can be a smart first step for those new to credit. - See h...