Credit rating after emigrating to U.S. - definitive answers?
Apr 17th 2003, 2:52 pm
#16
BE Forum Addict
Joined: Oct 2002
Posts: 1,041
Re: Credit rating after emigrating to U.S. - definitive answers?
I just want to say that what really really pissed me off about this
was that if I had come here as a student earning nothing I would have been able to get a credit card.
was that if I had come here as a student earning nothing I would have been able to get a credit card.
Caroline
Apr 17th 2003, 5:58 pm
#17
Forum Regular
Thread Starter
Joined: Jul 2002
Location: Gaithersburg, Maryland, via London, UK
Posts: 155
Re: Credit rating after emigrating to U.S. - definitive answers?
Originally posted by meauxna
Butting in...
I highly recommend that everyone look at a site: www.clarkhoward.com for useful advise on such topics. Clark is a consumer advocate and has great tips on credit and secured cards etc. If it's on his site, it's a straight-up deal.
Butting in...
I highly recommend that everyone look at a site: www.clarkhoward.com for useful advise on such topics. Clark is a consumer advocate and has great tips on credit and secured cards etc. If it's on his site, it's a straight-up deal.
Apr 17th 2003, 6:52 pm
#18
Guest
Posts: n/a
Re: Credit rating after emigrating to U.S. - definitive answers?
British credit history counts for preceisely squat in the US. Despite two
mortgages, three gold cards and several consecutive vehicle loans with no
missed payments over a 10 year period, I found myself starting from zero in
the US. (see below!)
"Rete" wrote in message
news:[email protected]...
> Definite answers? You will get a host of definite answers here. Some
> will tell you open an Amex credit in your country, use it and then try
> to have it converted an US Amex card. Someone else will definitely tell
> you the way to go is Bank of America. That BOA will check your foreign
> credit report and base your credit line on that report.
I don't know about BOA. Mrs. Daxx and I applied for a credit card after I'd
been working a year, and despite my gold plated UK credit, we were turned
down. Not because of bad credit history, but because I had *none* in the US.
However, a few months later we bought a car in joint names, and that went
through without a hitch. We're just waiting for the credit offers to start
pouring in now.
mortgages, three gold cards and several consecutive vehicle loans with no
missed payments over a 10 year period, I found myself starting from zero in
the US. (see below!)
"Rete" wrote in message
news:[email protected]...
> Definite answers? You will get a host of definite answers here. Some
> will tell you open an Amex credit in your country, use it and then try
> to have it converted an US Amex card. Someone else will definitely tell
> you the way to go is Bank of America. That BOA will check your foreign
> credit report and base your credit line on that report.
I don't know about BOA. Mrs. Daxx and I applied for a credit card after I'd
been working a year, and despite my gold plated UK credit, we were turned
down. Not because of bad credit history, but because I had *none* in the US.
However, a few months later we bought a car in joint names, and that went
through without a hitch. We're just waiting for the credit offers to start
pouring in now.
Apr 17th 2003, 11:42 pm
#19
Sursum corda
Joined: Sep 2002
Location: Richmond Hill, GA USA
Posts: 38,860
I have to laugh because ever since we were married (which makes me wonder if the City sold his name to a mailing list company) my husband has been getting credit card offers in the mail......Considering he is still in the UK (and has been since a week after our wedding) you do wonder....
