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

ESTABLISHING CREDIT

ESTABLISHING CREDIT

Old Oct 10th 2017, 5:21 pm
  #1  
Just Joined
Thread Starter
 
Joined: May 2017
Location: Florida
Posts: 19
Rainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond repute
Default ESTABLISHING CREDIT

Hi All,

I'm an LPR and have been living in the US (Florida) for a little over a year now. I started my job a month ago and I want to establish credit.

Does anyone have any advice as to how to start out? How did everyone else start out?

Were there any card lenders that gave you your first credit card with absolutely no credit history (I don't show up in the system). Any store cards? Anything?

Just looking for a starting point and would love to know how everyone else did it.

Thanks
Rainbowsandicecream is offline  
Old Oct 10th 2017, 5:23 pm
  #2  
Lost in BE Cyberspace
 
mrken30's Avatar
 
Joined: Jul 2008
Location: Portlandia Metro
Posts: 7,147
mrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond reputemrken30 has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

There are many threads on here about credit. Also look at creditkarma.com, quizzle.com, creditsesame.com and credit.com
mrken30 is offline  
Old Oct 10th 2017, 5:25 pm
  #3  
The Hamburgler Incarnate!
 
Joined: Aug 2014
Location: Lansdale, PA
Posts: 52
Karlosthecackle is an unknown quantity at this point
Default Re: ESTABLISHING CREDIT

I put a grand on a "secured" credit card with Well Fargo when i arrived in March 2015. By November they had given me back my money and switched it to a normal credit card with a higher limit.

Between March and November I had been using the card as my daily method of payment, and cleared the outstanding balance each month well before the due date.
Karlosthecackle is offline  
Old Oct 10th 2017, 5:49 pm
  #4  
MODERATOR
 
Noorah101's Avatar
 
Joined: Apr 2003
Location: Phoenix, Arizona
Posts: 58,089
Noorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond reputeNoorah101 has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

We have a pretty detailed Wiki Guide on this topic.

Rene
Noorah101 is offline  
Old Oct 10th 2017, 6:00 pm
  #5  
Just Joined
Thread Starter
 
Joined: May 2017
Location: Florida
Posts: 19
Rainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond reputeRainbowsandicecream has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

Thanks. Looking for more personal experiences.
Rainbowsandicecream is offline  
Old Oct 10th 2017, 6:08 pm
  #6  
Lt Col (Retd)
 
Pulaski's Avatar
 
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 47,693
Pulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

If you have a bank account already (for several months/ since you arrived) speak to them first as they may give you a regular credit card immediately - but be prepared for it to have a tiny limit for the first few weeks. I got my first US credit card immediately on arrival - I had a job immediately. The bank that I opened my account knew I had a job, and so gave me a Visa card with a $200 limit (no, there is not a zero missing ) I rang customer service a couple of weeks later to tell them that the limit made the card pretty much useless, and they immediately bumped it up, and again after another six months.

Last edited by Pulaski; Oct 10th 2017 at 7:15 pm.
Pulaski is offline  
Old Oct 10th 2017, 6:34 pm
  #7  
Concierge
 
Rete's Avatar
 
Joined: Apr 2001
Posts: 43,722
Rete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

Originally Posted by Rainbowsandicecream View Post
Thanks. Looking for more personal experiences.
More often than not, the wiki is made up of personal experiences.

Try securing cards are mentioned and also attempt to get a store credit card, i.e. JC Penney, Sears, Kohl's, Target, etc. Any card that you use and pay off within the month or first two months will have a favorable bearing on your credit rating.
Rete is offline  
Old Oct 10th 2017, 8:42 pm
  #8  
Forum Regular
 
Joined: Jan 2017
Location: Nottingham UK to Boston MA to Orlando FL
Posts: 139
jammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond reputejammiie has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

I was able to get an unsecured card at BoA after only having been on the ground a matter of days. I just explained the situation to them and proved that I was employed and had a place to live etc, and the Bank Manager hit over-ride on the system when it initially turned us down for the unsecured cards.

This was back in June and now my credit score is 710.
jammiie is offline  
Old Oct 10th 2017, 9:40 pm
  #9  
Lt Col (Retd)
 
Pulaski's Avatar
 
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 47,693
Pulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond reputePulaski has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

Originally Posted by jammiie View Post
I was able to get an unsecured card at BoA after only having been on the ground a matter of days. .....
Thank you for backing up my post with a more recent example.
Pulaski is offline  
Old Oct 10th 2017, 11:13 pm
  #10  
Somewhere
 
BEVS's Avatar
 
Joined: Oct 2003
Location: Below
Posts: 35,242
BEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond reputeBEVS has a reputation beyond repute
Default Re: ESTABLISHING CREDIT

Originally Posted by Rainbowsandicecream View Post
Thanks. Looking for more personal experiences.
Not sure what you mean TBH.

The BE wiki is populated by posts from our very own BE members. It is their personal experiences & know how from having been there, seen it, done that.
BEVS 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.