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Questions tagged [credit-history]

Questions regarding the system of credit-worthiness determination in various countries.

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AIG Global Expatriate Assistance program

AIG has this program targeted at new immigrants in US, specially those who don't have any credit history. With a sign up fee of 440$, it's supposed to help us to get unsecured credit card, mortgage, ...
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1answer
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US Credit Building strategy: Have both an Unsecured and a Secured Credit Card?

I'm about to immigrate under EB3 visa (employment-based green card), and I'm applying for some unsecured credit cards (CreditStacks, Advancial, and American Express Global Card Transfers - but I also ...
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How to update residential addresses registered with SCHUFA?

I just received my currently dated SCHUFA credit report, however, my residential address is not current. My understanding was that when you, as a German resident, open up a bank account, they push an ...
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1answer
43 views

Is it possible to start building a credit history in the US as a tourist on a B1/B2 visa?

There's a good chance that early spring next year I'll be relocating to the US. From what others told me, it can be a pain to start out in the States with no credit history as everything relies on you ...
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1answer
58 views

Building my credit in the USA [duplicate]

Referring to Philippe Leybaert's answer some time back, he stated not to give out your social security number to companies that request it. I am applying for a secured credit card and many card ...
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1answer
110 views

European in USA for 6 years, but with NO credit history in the USA. What's the procedure to follow?

I have been reading multiple posts but I cannot find a comprehensive answer to my questions. I am European and I have lived in the USA for about 6 years in the last 9 years. I never had a credit card, ...
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4answers
1k views

How can US citizens living overseas freeze their credit?

After learning about Equifax's failure to keep sensitive financial data of over 100 million Americans secret, I am considering a security freeze on my credit record. I found the relevant pages of the ...
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1answer
114 views

Can credit score be transferred from UK to Australia?

I have quite a good credit rating in UK which allows me to get mortgages approved more easily, getting credit cards and such,... there is possibility of me ending up in Australia... I am sure I am ...
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1answer
159 views

What is my legal address if I've never lived in the US?

I am a US citizen who was born in the UK and has lived there for 18 years. I am about to move to attend college in the US and I have some questions about addresses etc. When applying for bank accounts,...
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1answer
135 views

Can H1B share salary with his/her H4 dependent?

I went to a bank for applying for secure credit card for my H4 spouse (she has a valid ITIN). Bank associate told me that she has to show some income in order to apply. I told them that legally she ...
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0answers
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Building credit rating in the US [duplicate]

So, I have an excellent credit rating in the UK. I know this cannot be transferred to the US. I have a business in the US (I have a business account with Chase and also a personal checking and savings ...
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4answers
291 views

Does a U.S. citizen have to give up his credit cards and bank accounts when he moves abroad?

Credit card applications usually say "must be a U.S. resident". If a U.S. citizen moves abroad temporarily, and he doesn't want to use his friends' or relatives' U.S. addresses to get his mail, and ...
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Will loan enforcement notice (namsfogden) affect my visa renewal? [closed]

I have been served a notice for not paying the loan by the enforcement department in Norway which comes under Police since 2007. I have a visa renewal appointment in 4 days. Will it affect my renewal? ...
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2answers
4k views

Renting in England without a local credit history

I recently moved to England, UK, and this morning I applied for a reference check (paying an exorbitant referencing fee). Soon thereafter, a tenant referencing company contacted me stating that they “...
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1answer
523 views

Should I continue monitoring my credit activity in a country where I no longer live (but still have citizenship)?

I'm currently paying for a subscription to a credit monitoring company in the US, but I no longer live there and likely will not return for many, many years, if at all. At the moment, I still have US ...
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2answers
3k views

Maintaining credit history in the US while abroad

As a long-term expat, my credit history in the US is sparse as most of my expenses are in my country of residence (along with credit cards, mortgages, monthly payments of all varieties, etc.). While ...
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8answers
37k views

How to build credit history in the USA?

What are the ways in which a new immigrant can begin building credit history in the United States of America ?
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4answers
590 views

What is a credit history and why should I care?

I just read a question on having credit history in the UK. The credit-history phenomenon has puzzled me for some time. Similar to people considering it a good thing to have many credit cards. What ...
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4answers
6k views

How to go about building credit history in the UK?

I understand that if I move to another country, my good credit history in the United States will not be recognized. But this leads to a chicken-and-egg issue: if no one will give me credit, how can I ...
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6answers
40k views

How to lease a car in the USA just after relocation?

Usually leasing requires you to have a credit history in US and establishing it takes at least a year. What options you have to lease the car without credit history in US but having employment here (...