The only way to "build" credit is to borrow money and make payments on time.
The only way to keep your score high is to keep borrowing money and keep making payments on time. It's a terrible financial plan. It keeps you in debt.
Secured cards are the worst of the worst. You have to pay a bank fees to practice going into debt so that you can get a real credit card and go into debt for real so that you can get a high fico score so that you can get more debt.
If you are responsible with your money and live on less than you make. If you pay as you go and save up an emergency fund. You will not have payments. You will have money and you will not have to worship the great fico.
Open a credit card account, but ONLY use the card to pay for small, necessary things, such as gas or bi-weekly groceries. Make sure you have enough money in your bank account to pay off the credit card every month. Building credit is a slow process, but it's important that you start off the right way to prepare for the inevitable hard times in future years.
Basically, you ask for a loan and you pay on time. If you do that consistently, people will think you are likely to pay them back and be more willing to lend you money.
Start with a credit card. Never carry a balance or you'll be sorry! Pay the full balance every month. Several cards won't help your score much, 1 or 2 are just fine.
You can get a bank's secured credit to build credit score.
The article explains the steps how to build score.
http://www.cashorcredit24.com/how-to-bui…