New immigrant credit history

[dirk_diggler 107]

Is there a way for a new immigrant to build their credit easier/faster if their spouse is a USC with good credit? Will credit card companies be willing to adopt someone with no credit history as a joint holder?

Edited August 11, 2014 by dirk_diggler

[Faycel and Renee 30]

I added my husband as an authorized user to my capital one account and they gave him a card. As long as I pay the bill on time I was told he will build credit. Dont know yet as we are still looking into this.

[kzielu 1,149]

Is there a way for a new immigrant to build their credit easier/faster if their spouse is a USC with good credit? Will credit card companies be willing to adopt someone with no credit history as a joint holder?

If your spouse has good credit, apply for a normal credit card with him/her as a co-signer. I got my first card after a month and it had $3k limit (and my credit score was non existent). From my own experience - it starts building credit score and gets you a credit that you can actually do something with (as opposed to $300 limit secured card where you use half of the credit with one grocery shopping).

[MoBar65 520]

Is there a way for a new immigrant to build their credit easier/faster if their spouse is a USC with good credit? Will credit card companies be willing to adopt someone with no credit history as a joint holder?

There you are dirk...

The other replies are right on the money. You can jump-start your credit by being a cosigner with someone else if they're willing. It doesn't have to be a spouse either. Any trusting enough idiot would do.

[SimonBelgium 49]

See also the sticky topic here regarding credit scores... I'll add a section about using the spouse's credit rating