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Cheese2

Building credit after you move to U.S

By Cheese2 in Tax & Finances During US Immigration

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Cheese2 Apprentice

Cheese2   1

Posted
Filed: K-1 Visa Country: Canada
 Timeline
Posted

I was wondering if anyone had any advice on building credit once you were in the United States. I tried applying for a credit card recently, and was told that none of my credit from Canada was relevant. So, I am starting from scratch again and was wondering if anyone on here had any advice, or had a similar experience?

TBoneTX Grand Master

TBoneTX   45,825

Posted
Filed: Citizen (apr) Country: Ecuador
 Timeline
Posted (edited)

*** Thread moved from "Moving Here" forum to the Tax & Finances forum, where such issues are often discussed. ***

Edited by TBoneTX

06-04-2007 = TSC stamps postal return-receipt for I-129f.

06-11-2007 = NOA1 date (unknown to me).

07-20-2007 = Phoned Immigration Officer; got WAC#; where's NOA1?

09-25-2007 = Touch (first-ever).

09-28-2007 = NOA1, 23 days after their 45-day promise to send it (grrrr).

10-20 & 11-14-2007 = Phoned ImmOffs; "still pending."

12-11-2007 = 180 days; file is "between workstations, may be early Jan."; touches 12/11 & 12/12.

12-18-2007 = Call; file is with Division 9 ofcr. (bckgrnd check); e-prompt to shake it; touch.

12-19-2007 = NOA2 by e-mail & web, dated 12-18-07 (187 days; 201 per VJ); in mail 12/24/07.

01-09-2008 = File from USCIS to NVC, 1-4-08; NVC creates file, 1/15/08; to consulate 1/16/08.

01-23-2008 = Consulate gets file; outdated Packet 4 mailed to fiancee 1/27/08; rec'd 3/3/08.

04-29-2008 = Fiancee's 4-min. consular interview, 8:30 a.m.; much evidence brought but not allowed to be presented (consul: "More proof! Second interview! Bring your fiance!").

05-05-2008 = Infuriating $12 call to non-English-speaking consulate appointment-setter.

05-06-2008 = Better $12 call to English-speaker; "joint" interview date 6/30/08 (my selection).

06-30-2008 = Stokes Interrogations w/Ecuadorian (not USC); "wait 2 weeks; we'll mail her."

07-2008 = Daily calls to DOS: "currently processing"; 8/05 = Phoned consulate, got Section Chief; wrote him.

08-07-08 = E-mail from consulate, promising to issue visa "as soon as we get her passport" (on 8/12, per DHL).

08-27-08 = Phoned consulate (they "couldn't find" our file); visa DHL'd 8/28; in hand 9/1; through POE on 10/9 with NO hassles(!).

cazzers Proficient

cazzers   83

Posted
Filed: Citizen (apr) Country: Romania
 Timeline
Posted

Have you thought about starting a secure credit line?

I'm the Beneficiary
N400 April 2017 fillers: https://goo.gl/cp2Uxz
Support group for Romanian-American couples--> https://www.facebook.com/groups/520291304693940/
Hypnos Grand Master

Hypnos   6,578

Posted
Filed: Citizen (apr) Country: United Kingdom
 Timeline
Posted

A secured credit card and / or a secured loan is the way to go. Capital One offer a secured card, as do Merrick Bank which is the one I started out with. After about three months with my Merrick Bank secured card I received an invitation in the mail from Capital One (who had turned me down three months earlier - go figure) to apply for a normal card, and this was eventually approved. So now I have Merrick's secured Visa and Capital One's unsecured Mastercard. I will probably wind up closing the Merrick card and getting the $500 deposit back, although I'll take a hit on my credit by doing so.

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

SimonBelgium Enthusiast

SimonBelgium   49

Posted
Filed: Citizen (pnd) Country: Belgium
 Timeline
Posted

I wrote quite a large post on the topic here:

Building Credit Score - Tips & Tricks

  • Want to transfer money from abroad to a US account? Or do you want to transfer money from your US account to your foreign loved one? Use TransferWise for rates MUCH lower than banks! Click HERE to TRANSFER MONEY internationally CHEAP!
  • You have some bad remarks on your credit report, and want to clean it up by the time your loved one comes to the US? Use a reputable Credit Repair company. Fortress Credit Pro has a money back guarantee AND only charges you for entries that are actually removed! Click here to enroll for Credit Repair

 

(Disclosure: The links to TransferWise and FortressPro are affiliate links, and their use can accumulate in benefits for me. Using the links does offer a discount to you by using them over enrolling through the main website, unless any promotions are run by the company)

P&DSigler Explorer

P&DSigler   11

Posted
Filed: IR-1/CR-1 Visa Country: Canada
 Timeline
Posted

We also have US and Canadian RBC accounts and a RBC credit card. They say that they can use your canadian credit to get US mortgage or loan.

USCIS------------------

May 16, 2014: NOA1

June 10, 2014 : NOA2(email)

June 18,2014 : NOA2 Hard copy received

NVC------------------

June 26, 2014 : Case received

July 10, 2014 : Got Case number/IIN (by phone)

July 25, 2014 : Got Case number/IIN e-mail

July 26, 2014 : DS-261 Completed

July 30, 2014 : AOS Invoiced and paid

August 2, 2014 : AOS status "PAID"

August 4, 2014 : AOS Package e-mailed

August 6, 2014 : AOS Package received by NVC

August 6, 2014 : AOS Package scanned into the system

Sept 10, 2014 : IV Fee Invoiced and paid

August 29, 2014 : IV Package e-mailed

Sept 4, 2014 : IV Package scanned into the system

Sept 11, 2014 : submit DS-260

Sept 26, 2014 : Case Completed

Oct 3,2014 : Interview scheduled

Oct 21, 2014 : medical

Nov 18,2014 : Interview

 
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