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

Great credit card to build US credit.

Great credit card to build US credit.

Old Nov 5th 2011, 2:47 am
  #31  
Just Joined
 
Joined: May 2011
Posts: 17
shanejet is an unknown quantity at this point
Default Re: Great credit card to build US credit.

Hello,
Just in case anybody cares, we got fully approved two days ago for a home loan through HSBC.

We put 25% down payment, the interest rate is higher though at 5.3%, but still manageable.

At the time of first going for a loan we had no US credit history, they used an international credit rating (which doesn't actually give a credit rating, just shows what loans we have previously applied for etc).

Sorry to go off topic slightly, but it shows that you can get a home loan without US credit rating.
shanejet is offline  
Old Nov 5th 2011, 5:17 am
  #32  
BE Forum Addict
 
Ash UK/US's Avatar
 
Joined: Sep 2003
Location: Grand Rapids, MI
Posts: 4,525
Ash UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond reputeAsh UK/US has a reputation beyond repute
Default Re: Great credit card to build US credit.

Originally Posted by Bob View Post
The piggy backing trick of the past, which was what helped you, won't work these days.
I did that with my hubby too.
Ash UK/US is offline  
Old Dec 14th 2011, 2:41 am
  #33  
Forum Regular
 
Joined: Jul 2004
Posts: 176
Eeteet is an unknown quantity at this point
Default Re: Great credit card to build US credit.

This is odd, I just went online and used the liniWhat havr k at beginning of this thread. Filled out about 12 small sections and submitted it and got approved instantly on screen with 500the dollar limit. Set up the online banking username and password and card will be here in 7-10 days

I have zero credit history in usa and only got ssn 2 weeks ago, so it should work for others
Eeteet is offline  
Old Dec 14th 2011, 8:39 pm
  #34  
Just Joined
 
Joined: May 2011
Posts: 13
SheffieldGuy is just really niceSheffieldGuy is just really niceSheffieldGuy is just really niceSheffieldGuy is just really niceSheffieldGuy is just really niceSheffieldGuy is just really niceSheffieldGuy is just really niceSheffieldGuy is just really nice
Default Re: Great credit card to build US credit.

I didnt have so much luck with the Capital One Newcomers card

I've been here 4 weeks, have a SSN yet they didn't approve me.

I have no credit/address history in the US but this card is specifically designed for that so in my opinion the only factor they can consider is your earnings. I earn good money (well above average) and yet they still didn't approve me.

It's rather frustrating!
SheffieldGuy is offline  
Old Dec 15th 2011, 2:30 am
  #35  
BE Forum Addict
 
Joined: Apr 2010
Posts: 1,022
retzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond reputeretzie has a reputation beyond repute
Default Re: Great credit card to build US credit.

Curiouser and curiouser...

I applied a good three years after arriving/SSN and no dice. I was going to say perhaps the lapsed time itself was the problem, but that doesn't explain SheffieldGuy's experience.

I wonder what they're doing
retzie 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.