Credit check question

[ladypenn 0]

During the credit and work background check, do they really check it overseas from where you came from. I have a problem regarding my mother's credit card with a big and famous bank in our country. She made me her extension or supplementary. I didn't know at first that she made a cash advance amounting to 120,000 for which half of it went to the agent of that bank. Everything for falsying papers so she can get higher credit limit and the more she can get bigger amount. I never used that credit card because I wasn't interested and I don't even know how to use the credit card that time. My problem now is I learned that my mother failed to pay the bank on time and they even had hearings about her account. Last year they had an agreement that she'll pay them in lower amount. I thought I was out of that problem, so when I went to that bank to open an account late last year, they declined me because of my mother's past due account and I even saw my name was written there. I know this might sound stupid, but when it comes to financial, I was very helpful with my family. Last year, 2 months before I flew to the US, my sister asked me if she could borrow my credit card to buy stuffs for my nephew. Since it was her first baby, and after she promised me she'll pay it when the billing comes. I trusted her. When the billing statement came, I asked her to pay but she gave me a reason that she can't pay me because her friend borrowed my money. That time the money I have was reserve for my trip going here. On the day I left my country, she promised me that she will pay it the next day but sad to say she didnt. I keep calling her that she had to pay for it and she even lied to me. She said she already made payment and that my account was already closed. I was still not convince with what she told me, I checked online and called the credit card company, it was past due for months. I tried my best if I can pay it here in the US but they told me they dont accept it. I have to designate a person back home to do the settlement. Last February, after I got mad and had a word fight with her, she finally paid it and my account was closed. I called the bank and said my account is really closed. My question is I applied for a company here, they said I will be hired after I passed the drug test, work and credit background check. I am worried because of my mother's bad account with my name as her extension or supplementary and my credit card problem with my sister that is settled now. Will that reflect on the background check they will conduct on me? I am really worried. Hope you can help me with this.

[Emancipation 2]

As I understand it you arrive in the US with NO credit rating or history here - at all..

I had amazing credit in Canada and the second I came here, i start all over again at the beginning just like i'm 18 and fresh out of high school. None of my credit even in Canada counts here nada.

If someone ran a US credit check on me they would find nothing.. except a few tumble weeds and buzzerds.

[ladypenn 0]

As I understand it you arrive in the US with NO credit rating or history here - at all..

I had amazing credit in Canada and the second I came here, i start all over again at the beginning just like i'm 18 and fresh out of high school. None of my credit even in Canada counts here nada.

If someone ran a US credit check on me they would find nothing.. except a few tumble weeds and buzzerds.

Hi, Emancipation! yap, I dont have any credit history here, I don't even have any bank or credit card account here. Back in the Philippines, I made sure I paid all my dues on time except for these 2 cases (with my mother and my credit card which was already paid and closed). I'm just worried when the company I applied for run a credit check, they might see these 2 cases and I might not be able to get the job. They told me they were impressed with the interview and exam I took and all they need is the background check so I can start working for them.

[Emancipation 2]

I would suppose it is just a US background check. Maybe I'm nieve on this point, but it would surprise me if they go any further than that.. Besides if when you think about it USCIS has done a lot of the work for them really in the AOS process don't you think?

[ladypenn 0]

I would suppose it is just a US background check. Maybe I'm nieve on this point, but it would surprise me if they go any further than that.. Besides if when you think about it USCIS has done a lot of the work for them really in the AOS process don't you think?

Yah, i guess you're right. My hubby told me they won't go thru that length. When I was talking to the manager this afternoon, he gave me a copy of a form and it says my SSN was verified. They might just verify it with USCIS if I am legally able to work here. Thanks for replying to my post!

[baby_honey31 0]

dont worry ladypen, i think your husband is right. they wont extent to check our credit history back in the philippines. they are just after our credit history here. and i know it takes time to build a credit history. ive been here for more than a year now, but still i've been declined when i applied for credit cards due to no credit history. so what i did, i loaned money from the bank, my mother inlaw co signed for me then we bought a vehicle and i co signed for my husband. so for now i dont know when it will build up to my credit history. if you have YMyou message me at baby_honey31@yahoo.com

[ladypenn 0]

Thanks, baby_honey31! I wonder what will happen if they can't find credit history in US? If I remember correctly I read somewhere here that having no credit history, they will not hire you.

[tom&tata 2]

I have a short credit history & the company still hired me. It really depends on the company. Other people might have different experience with other company.

Good luck.