10 votes
Accepted

Renting in England without a local credit history

There are two catch 22s when trying to rent in the UK as an expat. The first is that you often need an address to get a bank account and a bank account to get an address. The second is that you need ...
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  • 4,138
7 votes

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

There is no reason to keep your move secret or to engage a lawyer. And there is no standard name for the service other than 'moving'. I know from personal experience that American Express, ...
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  • 3,214
6 votes

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

I personally use my parents place as my US address. Then I go paperless and pay my accounts through a bank that I transfer money into from where I am now. Anything important is mailed to me by my ...
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  • 61
6 votes
Accepted

How can US citizens living overseas freeze their credit?

There is no validation that you actually live at the address, so use the address of your parents, friends, colleagues etc and ask them to forward any correspondence. There are also tons of commercial ...
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  • 3,527
5 votes
Accepted

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

I can speak from my experience as a Canadian citizen and resident with a permanent US mailing address, and my curious quest to attain US credit. As an actual US resident, you should have a ...
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4 votes

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

Hiring an attorney merely to be able to continue to use a credit card would seem very expensive, you only need a post office box or something like that (USPS calls companies offering this service “...
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  • 17.3k
4 votes

Renting in England without a local credit history

My letting agent ran an international credit check (or rather they asked another company to do this) based on my previous address in Canada (which I had to list as “current address”). They also asked ...
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  • 3,401
4 votes

How to build credit history in the USA?

If you are moving to the Eastern USA from Canada, do yourself a favour and bank with TD Canada Trust in Canada before you leave the great white North. They are the parent of TD Bank North America and ...
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4 votes
Accepted

How to update residential addresses registered with SCHUFA?

I've contacted them over email at meineschufa@schufa.de and explained it in English, also I've provided an automated German translation. They then asked me for my address registration certificate, in ...
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  • 356
3 votes

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

"Legal address" is used often but it does not have any special meaning when it refers to a person's address. It simply denotes a place where you can receive mail and where the police can possibly find ...
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3 votes

How to build credit history in the USA?

Start before you make the move. Do research if there are professional organizations in your country who offer credit cards, and become a member. When I moved to the US in 1997, I became a member of ...
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  • 139
2 votes

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

I used ExpatRide with great success. They can assist expats with any make or model available in the U.S. Before or after arriving in the U.S. I got a pre-owned BMW 5 series with manufacture warranty ...
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2 votes
Accepted

Can credit score be transferred from UK to Australia?

As a foreign citizen in Australia, your credit score on arrival is zero. For some people (google some forums to see the horror stories) this works out well for them, for others like yourself, it's ...
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  • 3,896
2 votes

Can H1B share salary with his/her H4 dependent?

I would seriously question the statement of the bank associate. The visa status and source of income are irrelevant to her application. In order to build credit history however I would recommend you ...
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  • 269
2 votes

How can US citizens living overseas freeze their credit?

I was also rejected by the credit agencies in not only freezing my credit but just to request the annual report. As an expat living abroad, I can not provide the requested documents proving US ...
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2 votes
Accepted

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

This could theoretically work but I believe you'll need a social security number to build a credit history (the social security number is the key by which the credit history is looked up) and you can'...
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  • 628
1 vote
Accepted

Can I use my UK credit record in Germany?

I don't think you can do what you want - but don't panic. I moved to live in Germany in what had been our holiday house (so I had no need to obtain any sort of credit record). After six months I was ...
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1 vote

US Credit Building strategy: Have both an Unsecured and a Secured Credit Card?

I assume you are referring to credit cards in the US. Some US banks are notorious for making it tricky to pay on time, which allows them to charge high fees, and also harms your credit rating. Credit ...
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1 vote

Building my credit in the USA

You start at the beginning when building a credit rating in the US. The best way to begin is with a secured credit card from a credit union and yes, you will need to present a Social Security card to ...
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1 vote

How can US citizens living overseas freeze their credit?

It does matter if you live at the address. I live abroad and tried this with my usual American address I use for things and was rejected by equifac and trans union. "Not enough info to verify." I ...
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1 vote

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

As a Canadian who has native US credit cards and has never even actually lived in the United States, I can tell you that it is absolutely possible to carry US credit cards while not being resident in ...
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1 vote

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

I've heard from other members on here that leasing a car with a company like Intl Autosource is a good idea because not only do they specialize in serving foreign nationals without a credit history ...
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