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chloe

Bad Credit in the UK?

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Filed: AOS (pnd) Country: England
Timeline

Hya to everyone!

Well, after arriving in the US about a month ago and marrying n the 24th June, both me and my hubby now are getting things together to file AOS/EAD, (still waiting for marriage cert)

Ive contacted a few banks as we need to go ahead and open a joint bank account, and am wondering whether anybody here knows how, bad (ok..awful) credit history in te UK will affect me here.

I have numerous unpaid loans on that side of the pond and am curious as to how credit checks will be made when I apply for an account here.

Obviously, me and credit dont get on well, so its not a case of us wanting loans or credit cards, just a regular account with debit card...

thanks in advance for any info and good luck to everyone

x Chloe

06.05.07 Entered US

06.24.07 Married!!!! xxxxxxx

07.23.07 Sent off AOS/EAD Express Mail

07.24.07 Email notification that package received!!!! (Day 1)

08.08.07 Money Orders Cashed (Day 16)

08.13.08 Biometrics letter rec. Still no NOA1 (Day 21)

08.27.07 RFE for tax transcript (sent already!!)

08.28.07 NOA1 date, received 09.02.07

09.04.07 Biometrics for AOS & EAD (Day 43)

09.18.07 RFE received by USCIS. Processing resumed.(Day 57)

10.04.07 Card Production ordered EAD..Woohoo!!!! (73 Days)

10.15.07 EAD card delivered in post as well as Approval email

10.15.07 Email to say Im on my way to California!

11.29.07 Card production ordered, still waiting for daughters!

12.04.07 received Green card in post!

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Hya to everyone!

Well, after arriving in the US about a month ago and marrying n the 24th June, both me and my hubby now are getting things together to file AOS/EAD, (still waiting for marriage cert)

Ive contacted a few banks as we need to go ahead and open a joint bank account, and am wondering whether anybody here knows how, bad (ok..awful) credit history in te UK will affect me here.

I have numerous unpaid loans on that side of the pond and am curious as to how credit checks will be made when I apply for an account here.

Obviously, me and credit dont get on well, so its not a case of us wanting loans or credit cards, just a regular account with debit card...

thanks in advance for any info and good luck to everyone

x Chloe

It will not affect you at all. You will start out with zero credit in the US and it's fairly hard but certainly not impossible to build it up. You don't need credit for a checking account and debit card though as most don't come with an overdraft in the US like they often do in the UK. You should have no trouble at all opening a joint bank account. Your husband should consider adding your name and SSN as a joint user (not just authorised user) to one of his credit cards as long as he has decent credit. That will build up your credit, which will help both of you in the future for things like cars/houses/new credit cards, etc.

My Crafting Blog - On a Roll - Blogspot

3179788211_95b93e62af_t.jpg3179788215_6a1e497e9b_t.jpg3165849344_f296789fd3_t.jpg

_______________________________________________________

US Immigration Timeline

-------------------------

24 Feb 2007 - Sent I-130 to London USCIS office (I'm the petitioner)

25 May 2007 - NOA2

2 June 2007 - Received Packet 3

12 Oct 2007 - Sent Packet 3 back by special delivery

5 Nov 2007 - Interview in London - Approved without any hitches!

7 Nov 2007 - Visa and MBE arrived by SMS! :)

30 Jan 2008 - Fly to Michigan!! :)

*Note: Any delays in our case are only due to us taking things slowly

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well - my landlady ran a UK credit checko on me (I hadn't lived in the US for 10 years, she wanted to make sure she wasn't going to rent to a deadbeat). I'd say it's unlikely, but my experience is that it's certainly possible. When I opened my 2 bank accounts they didn't, however.

90day.jpg

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Filed: Timeline
well - my landlady ran a UK credit checko on me (I hadn't lived in the US for 10 years, she wanted to make sure she wasn't going to rent to a deadbeat). I'd say it's unlikely, but my experience is that it's certainly possible. When I opened my 2 bank accounts they didn't, however.

I agree; it's very unlikely bad credit from the UK will haunt you in the USA but there's always a slim chance.

24 June 2007: Leaving day/flying to Dallas-Fort Worth

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I had extermely bad credit in the UK and it has not affected me here at all so far. I have opened bank accounts and had credit checks done for jobs and everything has been ok.

k37hm7.png

03-06-10 Mailed N-400

03-17-10 Check cashed

03-19-10 NOA received

03-22-10 Biometrics sent

04-09-10 Biometrics appointment

06-14-10 Interview Date

06-22-10 Received letter for Oath

07-02-10 Oath ceremony

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well - my landlady ran a UK credit checko on me (I hadn't lived in the US for 10 years, she wanted to make sure she wasn't going to rent to a deadbeat). I'd say it's unlikely, but my experience is that it's certainly possible. When I opened my 2 bank accounts they didn't, however.

Wow, that's the first time that I've heard it's even possible. Good to know!

My Crafting Blog - On a Roll - Blogspot

3179788211_95b93e62af_t.jpg3179788215_6a1e497e9b_t.jpg3165849344_f296789fd3_t.jpg

_______________________________________________________

US Immigration Timeline

-------------------------

24 Feb 2007 - Sent I-130 to London USCIS office (I'm the petitioner)

25 May 2007 - NOA2

2 June 2007 - Received Packet 3

12 Oct 2007 - Sent Packet 3 back by special delivery

5 Nov 2007 - Interview in London - Approved without any hitches!

7 Nov 2007 - Visa and MBE arrived by SMS! :)

30 Jan 2008 - Fly to Michigan!! :)

*Note: Any delays in our case are only due to us taking things slowly

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Filed: AOS (pnd) Country: England
Timeline

thats a relief!!!!

I was starting to worry that the debts would follow me over here and haunt me for life..

Will definetely not be making the same mistakes again!

thanks

x

06.05.07 Entered US

06.24.07 Married!!!! xxxxxxx

07.23.07 Sent off AOS/EAD Express Mail

07.24.07 Email notification that package received!!!! (Day 1)

08.08.07 Money Orders Cashed (Day 16)

08.13.08 Biometrics letter rec. Still no NOA1 (Day 21)

08.27.07 RFE for tax transcript (sent already!!)

08.28.07 NOA1 date, received 09.02.07

09.04.07 Biometrics for AOS & EAD (Day 43)

09.18.07 RFE received by USCIS. Processing resumed.(Day 57)

10.04.07 Card Production ordered EAD..Woohoo!!!! (73 Days)

10.15.07 EAD card delivered in post as well as Approval email

10.15.07 Email to say Im on my way to California!

11.29.07 Card production ordered, still waiting for daughters!

12.04.07 received Green card in post!

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Share on other sites

well - my landlady ran a UK credit checko on me (I hadn't lived in the US for 10 years, she wanted to make sure she wasn't going to rent to a deadbeat). I'd say it's unlikely, but my experience is that it's certainly possible. When I opened my 2 bank accounts they didn't, however.

Wow, that's the first time that I've heard it's even possible. Good to know!

My landlady's crafty like that, she's probably the exception. Of course, she has been less crafty at getting my sink fixed, but that's another story!

90day.jpg

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Filed: Timeline
well - my landlady ran a UK credit checko on me (I hadn't lived in the US for 10 years, she wanted to make sure she wasn't going to rent to a deadbeat). I'd say it's unlikely, but my experience is that it's certainly possible. When I opened my 2 bank accounts they didn't, however.

Wow, that's the first time that I've heard it's even possible. Good to know!

My cousin is a loan officer at Wachovia; he has done several credit checks on British applicants. Sometimes they've asked for it, sometimes not.

24 June 2007: Leaving day/flying to Dallas-Fort Worth

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Also, if your spouse has good credit, then start linking your name to all of their accounts. It will quickly rub off on you and any reason for possible secondary UK checks should not be necessary. I would imagine in they are only checking the UK because there is no US credit history.

Lifting Conditions

01/19/2010 - Mailed I-751 Packet

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Filed: Timeline
Also, if your spouse has good credit, then start linking your name to all of their accounts. It will quickly rub off on you and any reason for possible secondary UK checks should not be necessary. I would imagine in they are only checking the UK because there is no US credit history.

My cousin had a mortgage applicant with A+ credit sitting in front of him who'd only been in the USA for one year so he checked his credit in the UK and found that the guy had abandoned debt over there. He denied the loan. I guess the moral is...if you have bad credit in the UK, don't ask for a loan from my cousin. :lol:

24 June 2007: Leaving day/flying to Dallas-Fort Worth

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Also, if your spouse has good credit, then start linking your name to all of their accounts. It will quickly rub off on you and any reason for possible secondary UK checks should not be necessary. I would imagine in they are only checking the UK because there is no US credit history.

My cousin had a mortgage applicant with A+ credit sitting in front of him who'd only been in the USA for one year so he checked his credit in the UK and found that the guy had abandoned debt over there. He denied the loan. I guess the moral is...if you have bad credit in the UK, don't ask for a loan from my cousin. :lol:

So if this DOES happen to you, then just apply somewhere else. It sounds extremely rare that lenders are checking the UK at all. And I would assume you would have to give them full UK details (address, etc) as there is no other way to track applicants. You could withdraw your application at that time and apply somewhere else before the check is done.

Lifting Conditions

01/19/2010 - Mailed I-751 Packet

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Hya to everyone!

Well, after arriving in the US about a month ago and marrying n the 24th June, both me and my hubby now are getting things together to file AOS/EAD, (still waiting for marriage cert)

Ive contacted a few banks as we need to go ahead and open a joint bank account, and am wondering whether anybody here knows how, bad (ok..awful) credit history in te UK will affect me here.

I have numerous unpaid loans on that side of the pond and am curious as to how credit checks will be made when I apply for an account here.

Obviously, me and credit dont get on well, so its not a case of us wanting loans or credit cards, just a regular account with debit card...

thanks in advance for any info and good luck to everyone

x Chloe

Is the plan to walk away from them or are you paying them from the US??

DCF - London

18 Jul 04 - Police Certificate Requested

19 Jul 04 - I-130 sent

22 Jul 04 - NOA I-130 logged with INS

29 Jul 04 - DS230 sent

29 Jul 04 - Had vaccinations

14 Aug 04 - Police Certificate Received

30 Sept 04 - I-130 approved

30 Nov 04 - Received I-864 from co sponsor

04 Dec 04 - Sent DS2001

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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