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Credit check

Old Apr 9th 2014, 10:35 pm
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Default 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?

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Old Apr 9th 2014, 10:41 pm
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Default 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.
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Old Apr 9th 2014, 10:42 pm
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Default 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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Old Apr 9th 2014, 10:43 pm
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Default Re: Credit check

Originally Posted by Clrsth View Post
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
Just a quick question... I assume you have the correct paperwork to move to the US?
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Old Apr 9th 2014, 10:45 pm
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Default 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.
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Old Apr 9th 2014, 10:47 pm
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Default 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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Old Apr 9th 2014, 10:50 pm
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Default 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.

Last edited by lansbury; Apr 9th 2014 at 10:53 pm.
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Old Apr 9th 2014, 10:51 pm
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Default Re: Credit check

Originally Posted by Clrsth View Post
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?!)
He's got no problem, but you don't say what nationality you are..... so you may find the processing time dictates your time frame
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Old Apr 9th 2014, 10:58 pm
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Default 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.
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Old Apr 9th 2014, 11:05 pm
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Default Re: Credit check

Originally Posted by RICH View Post
Hubby is a USC - he will have a US credit history of some sort, if he has a SSN.
Depends how long it has been since he last lived in the US.
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Old Apr 9th 2014, 11:09 pm
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Default Re: Credit check

Originally Posted by Clrsth View Post
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?!)
Your husband needs no immigration paperwork, because he is a USC. If you are not a USC, and your plan is to immigrate to the USA, you should start researching this now, so you can be prepared for what lies ahead for your Immigrant Visa process.

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
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Old Apr 9th 2014, 11:11 pm
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Default Re: Credit check

Originally Posted by Clrsth View Post
believe me, I am making no firm plans until I have everything in writing!
Didn't you sell your house?
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Old Apr 10th 2014, 12:30 am
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Default Re: Credit check

Originally Posted by Clrsth View Post
We plan to rent in the suburbs, not in central Philadelphia.
By no means all of central Philly is a war zone - some areas are pretty decent, e.g close to the UPenn campus, some parts of South Philly. And Center City is perfectly safe although it might be out of reach for an academic's salary.
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Old Apr 10th 2014, 1:49 am
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Default Re: Credit check

Originally Posted by Clrsth View Post
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?!)
Does he have a US passport? .... Has he been filing his US tax return every year since he turned 18? .... Is he 26 or less? All these are important questions!

Originally Posted by Clrsth View Post
.... we have already sold our house in the UK, we are planning to rent for 6 months whilst we find our feet. .....
You do realise that you cannot live in/ relocate to the US until you have a visa, don't you? You can visit for short periods while your visa application is being processed, not exceeding 90 days, but you may have difficulty returning to the US soon after a stay of 60+ days. BTW You can't "leave the US" by going to Canada, Mexico, or the Caribbean.

Last edited by Pulaski; Apr 10th 2014 at 1:55 am.
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Old Apr 10th 2014, 7:08 am
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Default 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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