Credit check
We are travelling out to Philadelphia on Saturday as my husband who has duel UK/USA nationality has been provisionally offered a job there.
Although we have a deposit for a house as we have already sold our house in the UK, we are planning to rent for 6 months whilst we find our feet. We have been told by Realtors that we will need a credit check - will a UK credit check suffice and how do I go about getting one? Would a company like Experian do? Clare |
Re: Credit check
In what manner is the job offer provisional?
I don't think a UK credit check will suffice so they'll probably ask you for three or six months rent up front. Philadelphia has a very high crime rate, especially gun crime. Good luck. |
Re: Credit check
A UK credit check will not be accepted in the US. Unfortunately there is no way to transfer your credit history over to the US.
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Re: Credit check
Originally Posted by Clrsth
(Post 11212233)
We are travelling out to Philadelphia on Saturday as my husband who has duel UK/USA nationality has been provisionally offered a job there.
Although we have a deposit for a house as we have already sold our house in the UK, we are planning to rent for 6 months whilst we find our feet. We have been told by Realtors that we will need a credit check - will a UK credit check suffice and how do I go about getting one? Would a company like Experian do? Clare |
Re: Credit check
I mean, that although he has been offered a job via email, he has not signed a contract yet - this is to be done when we visit next week - believe me, I am making no firm plans until I have everything in writing!
The Realtor asked as to bring out a credit check, so she must know that it is not a US credit check - but thanks for the advice, as this is an academic relocation, we won't get a great relocation package so useful to know in case we can get some money upfront from the Uni to help towards rent if have to pay that much up front! We plan to rent in the suburbs, not in central Philadelphia. |
Re: Credit check
No we don't, we are travelling to find out about moving, not actually moving. We'll sort out the paperwork when we get home. I'm presuming (and I could be completely wrong!) that as he is a US citizen with a SS number that the paperwork will be fairly straightforward. (or am i kidding myself?!)
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Re: Credit check
If the realtor has asked you to bring a copy of your UK credit history, than I would certainly do so. Get a copy from Experian as you suggest. If the realtor is acting as the landlords agent and is willing to accept it, all well and good. But it is unusual.
The paperwork for your visa is fairly straight forward. From start to finish it will take about 8 - 10 months for the whole process to complete and you to have your visa. |
Re: Credit check
Originally Posted by Clrsth
(Post 11212250)
No we don't, we are travelling to find out about moving, not actually moving. We'll sort out the paperwork when we get home. I'm presuming (and I could be completely wrong!) that as he is a US citizen with a SS number that the paperwork will be fairly straightforward. (or am i kidding myself?!)
|
Re: Credit check
Hubby is a USC - he will have a US credit history of some sort, if he has a SSN.
On it's own, a UK credit report won't mean much, but as a supplement, it can't hurt. |
Re: Credit check
Originally Posted by RICH
(Post 11212267)
Hubby is a USC - he will have a US credit history of some sort, if he has a SSN.
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Re: Credit check
Originally Posted by Clrsth
(Post 11212250)
I'm presuming (and I could be completely wrong!) that as he is a US citizen with a SS number that the paperwork will be fairly straightforward. (or am i kidding myself?!)
The best thing to do is have him file the I-130 directly to the USCIS field office in London, while he's still in the UK, before he moves to the USA to start working. That will make the visa process several months shorter (maybe only 4 - 6, as opposed to the typical 8 - 10 when the I-130 is filed in the USA). For more information on your Immigrant Visa process, take a look at the BE Wike Guide article called "DCF Filing the I-130 in London", and also look in our US Marriage Based Visa forum. Rene |
Re: Credit check
Originally Posted by Clrsth
(Post 11212249)
believe me, I am making no firm plans until I have everything in writing!
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Re: Credit check
Originally Posted by Clrsth
(Post 11212249)
We plan to rent in the suburbs, not in central Philadelphia.
|
Re: Credit check
Originally Posted by Clrsth
(Post 11212250)
No we don't, we are travelling to find out about moving, not actually moving. We'll sort out the paperwork when we get home. I'm presuming (and I could be completely wrong!) that as he is a US citizen with a SS number that the paperwork will be fairly straightforward. (or am i kidding myself?!)
Originally Posted by Clrsth
(Post 11212233)
.... we have already sold our house in the UK, we are planning to rent for 6 months whilst we find our feet. .....
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Re: Credit check
Not planning to move until all the paperwork / visas are processed. My dh is a USA citizen - he has dual UK / USA nationality, although has not lived in the USA until now. I am a UK citizen so wil need a marriage based visa - have been reading all the forums.
The fact that we've sold our house is incidental - where we live the housing market is very stagnant - so houses can take up to 2 years to sell, so we've sold to either move in the UK, or move to the states once visas etc have been sorted out. It just means once everything has been processed we're ready to go - we plan on renting on a short term lease in the UK until this point. Thanks for all your advice - will get an Experian credit check sorted - can't hurt anyway. |
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