In 1990, We came from Japan to Southern California. My husband is originally from there. After service in the Military, he chose to go back and start a fresh life with me.
We did not have any credit established.
One of the things that we did to establish credit was to open a secure credit card account.
You Deposit money into the account, and they provide a credit card with the amount you deposited.
After a few years, regular credit card companies will start offering you cards.
In 2008, we suffered job losses from the Financial Crisis.
My husband, being in the mortgage industry, we were struck hard.
Our credit suffered majorly.
As a result, we returned to secure a credit card to re-establish our credit.
After several years, our credit is the highest it has ever been.
https://www.creditkarma.com/credit-cards/secured-credit-cards?
https://www.nerdwallet.com/l/build-your-credit-with-a-nerd-approved-credit-card?