Credit Rating

[Chez 0]

Dear VJ Family

My question is very simple. I am from the UK and living in the US - Is are UK credit rating transferrable to the US?

Thanks

[Sacha 0]

Dear VJ Family

My question is very simple. I am from the UK and living in the US - Is are UK credit rating transferrable to the US?

Thanks

Good question!

How long will it take before we can start applying for a mortgage once we've started working in the US?

[luv2teach77 41]

If only....

I had excellent credit in the UK but unfortunately, because the US credit scoring system is based on different criteria and it's almost unheard of that comapnies in the UK would share thier information with credit agencies in the US, I didn't find any way to get mt credit history transferred when I moved.

I was lucky enough to be able to secure a credit card in my own name a few months after arriving in the US and just a week or so ago looked up my credit score with the three big reporting agencies (Equifax, Experian and Transunion). I was pleasantly suprised that after about 8 months in the US I've generated quite a decent score.

I haven't looked into mortgages or anything like that yet but i'd imagine that unless you have generated a score of your own, applying alongside your USC spouse might actually negatively effect the mortage offers that might be extended to you.

Mark

[gwenneh 7]

The simple answer?

No.