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wellywench

Does bad credit follow you to the US?

By wellywench in Moving to the US and Your New Life In America

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wellywench Explorer

wellywench   0

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Filed: Citizen (pnd) Country: United Kingdom
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Hi there,

I have had some debt problems in the past and they will all be paid off before I leave the UK, but I still have a 'bad' credit rating here. When I move over, my OH wants to get a joint account going (for AOS purposes) but will my credit rating here affect him? We will be moving from a rented to mortgaged house sometime in the new year and I'd hate it if my past affected our chances of getting the mortgage! :help:

Thanks for listening...

I-175 Timeline

June 22nd 2010 - Package sent

June 23rd 2010 - Package received CSC by M Guerrero

June 23rd 2010 - NOA

August 17th 2010 - Biometrics

September 17th 2010 - Approved!!!

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broma25 Proficient

broma25   2

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Filed: Citizen (apr) Country: United Kingdom
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Hi there,

I have had some debt problems in the past and they will all be paid off before I leave the UK, but I still have a 'bad' credit rating here. When I move over, my OH wants to get a joint account going (for AOS purposes) but will my credit rating here affect him? We will be moving from a rented to mortgaged house sometime in the new year and I'd hate it if my past affected our chances of getting the mortgage! :help:

Thanks for listening...

Your bad credit does not follow you to the US, however bear in mind that you will have NO credit history here and will have to build one.

Hopefully your OH will have good enough credit to qualify for a mortgage on his own.

DCF - London

18 Jul 04 - Police Certificate Requested

19 Jul 04 - I-130 sent

22 Jul 04 - NOA I-130 logged with INS

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29 Jul 04 - Had vaccinations

14 Aug 04 - Police Certificate Received

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13 Jan 05 - Interview date 04 Feb 05

04 Feb 05 - VISA APPROVED!!!

08 Feb 05 - Proud owner of IR-1 Visa

09 Jun 05 - Arrived in the USA

24 April 09 - US Citizen

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Lansbury Proficient

Lansbury   19

Posted
Filed: Citizen (apr) Country: England
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Posted
Hi there,

I have had some debt problems in the past and they will all be paid off before I leave the UK, but I still have a 'bad' credit rating here. When I move over, my OH wants to get a joint account going (for AOS purposes) but will my credit rating here affect him? We will be moving from a rented to mortgaged house sometime in the new year and I'd hate it if my past affected our chances of getting the mortgage! :help:

Thanks for listening...

You have to build your credit history from scratch when you arrive in the USA. For you that is an advantage as you past record is of no account. For most it is a disadvantage as their previous good history in the UK counts for nothing.

There is an exception as always, American Express seem more willing to issue a card in the US if you have an account in the UK.

What to expect at the POE - WIKI entry

IR-1 Timeline IR-1 details in my timeline

N-400 Timeline

2009-08-21 Applied for US Citizenship

2009-08-28 NOA

2009-09-22 Biometrics appointment

2009-12-01 Interview - Approved

2009-12-02 Oath ceremony - now a US Citizen

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JamalNTam Community Regular

JamalNTam   1

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Filed: Country: United Kingdom
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Dont worry about it following you. I went bankrupt in the UK (long story) in April and I arrived here last month. It has not followed me and I am able to start again - learn from my mistakes and build a good credit history here.

OUR K-1 VISA JOURNEY

K1 Application

12-01-2006 I-129F sent priority USPS to CSC ... the real journey begins! (Day 1)

12-06-2006 NOA1 (Day 4)

03-05-2007 NOA2 - YAY!! (Day 89))

05-04-2007 INTERVIEW!!!!!! - APPROVED! (Day 149)

05-10-2007 Visa received (Day 155)

05-17-2007 ARRIVED IN PHOENIX (Day 162)

05-25-2007 Applied SSN

06-04-2007 Received SSN in the mail

06-14-2007 Passed driving test and now have my license

07-12-2007 MARRIED

07-24-2007 Changed name with SSA

AOS

05-31-2007 Appointment with Civil Surgeon for I-693A

07-16-2007 AOS sent to Chicago (received 07-18) (Day 1)

07-27-2007 NOA1 date (received 8/1) (Day 9)

07-30-2007 Check cashed (Day 12)

08-14-2007 Biometrics (Day 28)

11-29-2007 INTERVIEW DATE!!!!!! (Day 131) APPROVED

12-11-2007 Greencard Received

ROC

09-01-2009 I-751 sent to VSC (received 09-03) (Day 1)

09-04-2009 NOA Date (received 09-14) (Day 4)

09-08-2009 Check Cashed (Day 8)

10-05-2009 Biometrics @ Jackson MS (received 09-24) (Day 35)

01-08-2010 10 Year Greencard approved

01-19-2010 10 Year Greencard received

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wellywench Explorer

wellywench   0

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Filed: Citizen (pnd) Country: United Kingdom
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Phew thank you!!! :thumbs:

I-175 Timeline

June 22nd 2010 - Package sent

June 23rd 2010 - Package received CSC by M Guerrero

June 23rd 2010 - NOA

August 17th 2010 - Biometrics

September 17th 2010 - Approved!!!

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