Moving to Vegas and Credit
#1
Just Joined
Thread Starter
Joined: Aug 2013
Posts: 4
Moving to Vegas and Credit
Hi all
My company wishes for me to move to Vegas and I had a few questions.
They will be giving me a pretty low relocation package and I was wondering what is the minimum I should hold out for on that.
My main concern is my credit however, I dont have any in the US. How easy is it to get a car loan/lease in vegas with zero history of credit. Are any banks likely to give me a credit card of any kind? Will I have to pay more to get utility's such as water and gas connected?
Thanks
My company wishes for me to move to Vegas and I had a few questions.
They will be giving me a pretty low relocation package and I was wondering what is the minimum I should hold out for on that.
My main concern is my credit however, I dont have any in the US. How easy is it to get a car loan/lease in vegas with zero history of credit. Are any banks likely to give me a credit card of any kind? Will I have to pay more to get utility's such as water and gas connected?
Thanks
#2
Re: Moving to Vegas and Credit
Having no credit, you will not a credit card in the US - unless you bank with someone in the UK who will transfer what you already have, or you are with American Express.
You may well have to pay a connection fee to get utilities.
As for driving, I would be more concerned about haveing to take the Nevada State Driving Test, as a foreigner you can only dive on your GB license for a certain period of time, so I'd look in to that. Check out International Autosource with regards to leasing/buying a car - they can help to get a car on credit using your GB credit rating.
You may well have to pay a connection fee to get utilities.
As for driving, I would be more concerned about haveing to take the Nevada State Driving Test, as a foreigner you can only dive on your GB license for a certain period of time, so I'd look in to that. Check out International Autosource with regards to leasing/buying a car - they can help to get a car on credit using your GB credit rating.
#3
Re: Moving to Vegas and Credit
Hi all
My company wishes for me to move to Vegas and I had a few questions.
They will be giving me a pretty low relocation package and I was wondering what is the minimum I should hold out for on that.
My main concern is my credit however, I dont have any in the US. How easy is it to get a car loan/lease in vegas with zero history of credit. Are any banks likely to give me a credit card of any kind? Will I have to pay more to get utility's such as water and gas connected?
Thanks
My company wishes for me to move to Vegas and I had a few questions.
They will be giving me a pretty low relocation package and I was wondering what is the minimum I should hold out for on that.
My main concern is my credit however, I dont have any in the US. How easy is it to get a car loan/lease in vegas with zero history of credit. Are any banks likely to give me a credit card of any kind? Will I have to pay more to get utility's such as water and gas connected?
Thanks
For a car, take a look at International Autosource, and search for the numerous other threads here on the subject. IA will lease or finance a car for new immigrants with no US credit history, but you MUST sign up before you arrive in the US. I used IA, and they are reliable and every bit as good as they seem.
Last edited by Pulaski; Aug 13th 2013 at 1:26 pm.
#4
Just Joined
Thread Starter
Joined: Aug 2013
Posts: 4
Re: Moving to Vegas and Credit
Thanks for the replies
You mentioned that they use the UK credit score. I have not been in the UK very long Ireland before so I dont have much of a UK credit history. Would that be an issue?
You mentioned that they use the UK credit score. I have not been in the UK very long Ireland before so I dont have much of a UK credit history. Would that be an issue?
#5
Account Closed
Joined: Mar 2004
Posts: 2
Re: Moving to Vegas and Credit
Use your current cards in the US, it is a global world.
#6
Re: Moving to Vegas and Credit
They DON'T use your UK credit score (EDIT: see my post below, I may have misunderstood the point/ question, specifically who "they" are? ). A small number of card issuers (Amex, HSBC, possibly Capital One) can often be persuaded to issue a card based on your UK credit history, but generally speaking you UK (and Irish) credit history is worthless in the US.
Last edited by Pulaski; Aug 13th 2013 at 2:14 pm.
#7
Re: Moving to Vegas and Credit
I thought IA did use your UK score Pulaski, otherwise how do they know you're credit worthy?
#8
Re: Moving to Vegas and Credit
Sorry, there's been a crossed wire. I thought we were talking about use of someone's UK score generally in the US. I do not know how IA works, or on what basis they approve credit applications. Commonsense says that it would involve your UK credit score, but I do not know that to be the case (it may be, I honestly don't know either way.)
#9
Re: Moving to Vegas and Credit
Off topic I know...just curious...but why Vegas? What's the nature of the business?
The problems of the housing boom and bust, and also the lack of water, had a very detrimental effect there. Kinda horrible place, although the surrounding geography, mountains, Death Valley etc is very different from the UK and you might find that a refreshing change for a while.
The problems of the housing boom and bust, and also the lack of water, had a very detrimental effect there. Kinda horrible place, although the surrounding geography, mountains, Death Valley etc is very different from the UK and you might find that a refreshing change for a while.
#12
Re: Moving to Vegas and Credit
A secured credit card should not be a problem.
If they are unwilling to provide all you need, you could ask they also include the utility and accommodation security deposits, which are loans rather than given to you.
#13
Re: Moving to Vegas and Credit
Off topic I know...just curious...but why Vegas? What's the nature of the business?
The problems of the housing boom and bust, and also the lack of water, had a very detrimental effect there. Kinda horrible place, although the surrounding geography, mountains, Death Valley etc is very different from the UK and you might find that a refreshing change for a while.
The problems of the housing boom and bust, and also the lack of water, had a very detrimental effect there. Kinda horrible place, although the surrounding geography, mountains, Death Valley etc is very different from the UK and you might find that a refreshing change for a while.
#15
Re: Moving to Vegas and Credit
Wiki here has good info on building credit, getting cars an relocation packages... Would suggest reading through that and then coming back with any other questions you might have.