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Starting your first job at 21? Here’s how to start building your credit score without taking unnecessary financial risk

6 Oct 2026 · 6 Oct 2026Source: LiveMint — Money

Starting a credit journey at 21 does not mean taking on unnecessary debt. A secured or entry-level credit card, disciplined spending, timely full repayments and controlled credit utilisation can help young borrowers build a strong credit history.

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This digest is published with acknowledgment to LiveMint — Money. For the complete analysis, headnotes, and citations, please refer to the source.

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