How can I build my credit score?

I mean I have nothing..no credit file..no nothing. My phone bill is under my husband’s name. Well, I do have a checking and a saving account..that doesnt help at all.

I applied for some credit cards..1 is pending and the other 2 was denied within 30 seconds cos I don’t have my credit file.

What should I do? I mean I don’t have any cards or any loan..how am I gonna make payment to build up my score?

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