Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

building up credit history

building up credit history

Old Feb 12th 2009, 11:23 pm
  #1  
Forum Regular
Thread Starter
 
whatadiva's Avatar
 
Joined: Dec 2008
Posts: 260
whatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of light
Default building up credit history

Hi;

Simple question really to new U.S immgrants, what did you do to build your credit history?

I was looking at BoA secured credit card but that requires a minimum $300 deposit.

Unsecured credit cards won't apply to me because I am still awaiting for SSN.

$50/$60 a month phone plans also don't apply because I am still awaiting my EAD to work.

So I guess my ONLY option would be to ask hubby to apply for both credit card and phone plans and we can build credit history together.


No rent - we live with his mom (for now until we can afford a place of our own)

No car loan - he has a car but is only paying for car insurance.

We have a joint savings account, does this count towards your credit history?
whatadiva is offline  
Old Feb 12th 2009, 11:26 pm
  #2  
Not living a 9 to 5 life
 
NC Penguin's Avatar
 
Joined: Jun 2002
Location: North Carolina
Posts: 11,061
NC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond reputeNC Penguin has a reputation beyond repute
Default Re: building up credit history

Look at this article about establishing credit in the USA:
http://www.kamya.com/intro/miscstoriescred.html
NC Penguin is offline  
Old Feb 12th 2009, 11:37 pm
  #3  
Forum Regular
Thread Starter
 
whatadiva's Avatar
 
Joined: Dec 2008
Posts: 260
whatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of light
Default Re: building up credit history

Originally Posted by NC Penguin View Post
Look at this article about establishing credit in the USA:
http://www.kamya.com/intro/miscstoriescred.html
nice penguin! It not only has peoples experiences of building credit history but also AP and visa denials!

It was a good read!

thank you
whatadiva is offline  
Old Feb 13th 2009, 1:15 pm
  #4  
Resident Sillycow
 
mellybrown's Avatar
 
Joined: Oct 2007
Location: Dunwoody, GA!!
Posts: 1,651
mellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond reputemellybrown has a reputation beyond repute
Default Re: building up credit history

I got a contract with tmobile using my passport number - but you have to find someone who knows what they are talking about to get it in the first place!!! However this isnt going to establish you any credit - ive been paying phonebill and have gas and leccy in my name for a year and have zero credit. Am saving the 300 for the BoA card - is taking longer than I thought!!!!
mellybrown is offline  
Old Feb 13th 2009, 4:47 pm
  #5  
 
meauxna's Avatar
 
Joined: Apr 2002
Posts: 35,082
meauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond repute
Default Re: building up credit history

Originally Posted by whatadiva View Post
nice penguin! It not only has peoples experiences of building credit history but also AP and visa denials!

It was a good read!

thank you
kamya was the early days of the net.
Bear in mind that the experiences go back a few years, esp WRT the immi info.
meauxna is offline  
Old Feb 13th 2009, 7:57 pm
  #6  
Bob
BE Site Lead
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,716
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: building up credit history

the wiki also has a lot of good info worth reading...
Bob is offline  
Old Feb 13th 2009, 8:35 pm
  #7  
 
Joined: Jan 2008
Posts: 7,605
chartreuse is an unknown quantity at this point
Default Re: building up credit history

Also, creditboards.com is worth a look, especially for advice on correcting errors.

I've had a credit history in the USA for all of 2 months, and all three bureaus' reports are already riddled with errors...
chartreuse is offline  
Old Feb 13th 2009, 8:48 pm
  #8  
Are we there yet?
 
Trixie_b's Avatar
 
Joined: Jul 2007
Location: 31 miles from Cool (California)
Posts: 2,467
Trixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond reputeTrixie_b has a reputation beyond repute
Default Re: building up credit history

Originally Posted by whatadiva View Post
I was looking at BoA secured credit card but that requires a minimum $300 deposit.
probably a good way to go....

I also feel the need to add, that if you can't afford to save up $300 in the next few months, perhaps you should reconsider having a credit card at all.
Trixie_b is offline  
Old Feb 13th 2009, 9:36 pm
  #9  
Forum Regular
Thread Starter
 
whatadiva's Avatar
 
Joined: Dec 2008
Posts: 260
whatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of lightwhatadiva is a glorious beacon of light
Default Re: building up credit history

i read that store cards (not store credit cards) and gasoline charge cards also help.
whatadiva is offline  
Old Feb 13th 2009, 10:12 pm
  #10  
 
meauxna's Avatar
 
Joined: Apr 2002
Posts: 35,082
meauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond repute
Default Re: building up credit history

Originally Posted by whatadiva View Post
i read that store cards (not store credit cards) and gasoline charge cards also help.
What kind of card is a store card that is not a store credit card?
meauxna is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.