Amrita Jayakumar, Nerd Wallet Published 7:01 a.m. ET April 7, 2019

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Elizabeth Keatinge tells us about the places in the country where the most credit card debt is. Buzz60, Buzz60

You may have been avoiding the world of credit because you don’t want one more thing to worry about. But it doesn’t have to be complicated.

Taking these baby steps can help you build a good credit score.

Know where you stand

You may be surprised to know you already have a credit score or that you have items listed on your credit reports, like student loans or an auto loan.

Check your score: Many apps, websites and banks offer free

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