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Help! Moving to Florida - credit ratings????

Help! Moving to Florida - credit ratings????

Old Mar 24th 2014, 2:00 pm
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Default Help! Moving to Florida - credit ratings????

Hi
We are a family of four who are moving to Boca Raton at the end of the uk school year.
I am v worried about moving to a country where we will have no credit rating.
1) how do you rent a house without a credit rating? (We are renting out our London home so will not be flush with cash!)
2) how do you lease x2 cars without a credit history?
Thanks for your help
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Old Mar 24th 2014, 2:26 pm
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Default Re: Help! Moving to Florida - credit ratings????

Originally Posted by Boxterboy2 View Post
Hi
We are a family of four who are moving to Boca Raton at the end of the uk school year.
I am v worried about moving to a country where we will have no credit rating.
1) how do you rent a house without a credit rating? (We are renting out our London home so will not be flush with cash!)
2) how do you lease x2 cars without a credit history?
Thanks for your help

What visa are you moving over on?
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Old Mar 24th 2014, 2:29 pm
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Default Re: Help! Moving to Florida - credit ratings????

A L1 visa
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Old Mar 24th 2014, 2:37 pm
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Default Re: Help! Moving to Florida - credit ratings????

If you use the search engine, you can probably get answers to your questions more quickly. Here's a start:

http://britishexpats.com/forum/showt...t+credit+in+US
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Old Mar 24th 2014, 2:40 pm
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Default Re: Help! Moving to Florida - credit ratings????

A private landlord is likely to be much more tolerant of your lack of credit history, but be prepared to pay an extra month or two's rent up front. Don't do anything silly like offer a whole year's rent in advance as that might just spook the landlord completely.
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Old Mar 24th 2014, 2:48 pm
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Default Re: Help! Moving to Florida - credit ratings????

Thanks
I was planning on either renting direct or offering 6 mths (Gonna kill me) up front.
Can't seem to find any websites that are landlord direct
Does anyone know of any? Truilla etc seem to only have realtors.
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Old Mar 24th 2014, 2:56 pm
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Default Re: Help! Moving to Florida - credit ratings????

Found mine on Craigslist but I got lucky. There are a lot of scammers on CL so beware. Red flags include the landlord being away/travelling.
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Old Mar 24th 2014, 3:06 pm
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Default Re: Help! Moving to Florida - credit ratings????

Originally Posted by Boxterboy2 View Post
Thanks
I was planning on either renting direct or offering 6 mths (Gonna kill me) up front.
Can't seem to find any websites that are landlord direct
Does anyone know of any? Truilla etc seem to only have realtors.
Many websites are a mix of private and direct. Try Craigslist, zillow.com, rent.com, forrentbyowner.com, or Google for others.

Personally, I wouldn't start by offering more than three months rent, and upping the amount if necessary. You want to appear trustworthy, not desperate.

You know that houses here are invariably rented unfurnished, with a cooker and fridge, and perhaps a dishwasher, and microwave, don't you?

Last edited by Pulaski; Mar 24th 2014 at 3:10 pm.
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Old Mar 24th 2014, 3:30 pm
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Default Re: Help! Moving to Florida - credit ratings????

Originally Posted by GeoffM View Post
Found mine on Craigslist but I got lucky. There are a lot of scammers on CL so beware. Red flags include the landlord being away/travelling.
...or asking for up-front fees!
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Old Mar 24th 2014, 3:57 pm
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Default Re: Help! Moving to Florida - credit ratings????

International Autosource for the cars is an option but has to be set up in the UK before you move to the US.

We originally came over on an L1 and OH employer acted as guarantor for us when we we looking for rentals. Realtors just contacted the company directly and got written confirmation about job, salary, visa etc.
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Old Mar 24th 2014, 10:22 pm
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Default Re: Help! Moving to Florida - credit ratings????

Most of us ,(All of us?), came over with no US credit rating. Just stay calm and navigate through it.

Company gave no reloc. assistance?
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Old Mar 25th 2014, 5:34 am
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Default Re: Help! Moving to Florida - credit ratings????

Originally Posted by Boxterboy2 View Post
Thanks
I was planning on either renting direct or offering 6 mths (Gonna kill me) up front.
Can't seem to find any websites that are landlord direct
Does anyone know of any? Truilla etc seem to only have realtors.
Pulaski is right, 3 months + deposit should be fine - that's what big corporate landlords were quoting me in NYC. I would be wary of anyone asking for 6 months. It is a small market, so you might find it easier to get temp accommodation and start searching once you get there. Employer notice boards, local free papers, supermarket notice boards etc... The Craigslist scam warning is very real. I get scam email every single time I do anything on Craigslist now.
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Old Mar 29th 2014, 11:49 am
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Default Re: Help! Moving to Florida - credit ratings????

Thanks for your advice. My husband owns his business so there is no employees help etc so it all seems a bit of a huge mountain to climb at the moment but I really appreciate advice.
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Old Mar 29th 2014, 12:28 pm
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Default Re: Help! Moving to Florida - credit ratings????

Originally Posted by hotscot View Post
Most of us ,(All of us?), came over with no US credit rating. Just stay calm and navigate through it.
Yes, and I suspect buying older cars for cash is the solution to the car problem for many or most new arrivals.
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Old Mar 29th 2014, 4:59 pm
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Default Re: Help! Moving to Florida - credit ratings????

Originally Posted by robin1234 View Post
Yes, and I suspect buying older cars for cash is the solution to the car problem for many or most new arrivals.
Two years later we've still got our $6k 2005 Dodge Grand Caravan. Does the job - we don't need anything fancy and with 2 young kids it's not worth getting anything better. Also got a Ford Taurus, a bit older, similar price. See plenty of other threads about used cars!
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