If you are NOT a US citizen it is very difficult to start an account with any lenders. The only way to build credit initially is to have someone add you as a user, cosign a loan or apply for a secured card using your money as the limit. These methods require a SSN.
If you are on the account your are building a credit history, hopefully a good one.
If they have never taken out a loan, credit card, or anything else, there is no credit history. You should start building credit while in college - small credit cards and student loans are good ways.
Building a credit history requires taking out credit to get a history going. Open a no-annual-fee credit card and make sure to charge to it every month. Also, make sure to pay it off in full each month to build a positive credit history.
Nope. You will considered as if you were born today. No credit history in the USA? No credit given to you. It will take at least 5 years to establish your USA credit record, step by step. Jim Bunting. Toronto.
Your chances are pretty slim. With that being said, my suggestion to you is to open a bank account and start building a long term relationship. Once you build up $1,000.00 in your savings account parlay that into a secured loan. Make your payments for 6 months and then pay it off in full. Now you have a positive credit history. It is an old fashion way of building your credit but it works!
Building a business reputation does not happen overnight. Suppliers report monthly and it will take several months for your businesses credit history to be built up. Try and set up accounts with small suppliers to help build your credit history and keep your payments up to date.
There are many places to get a credit history. Going to college and having student loans, are a source of credit. If you have a credit card, you are building or losing credit. Paying bills on time, paying of vehicles and houses will all give a person credit.
Traveling overseas and need an international credit card? Most credit cards can be used overseas. Most credit card companies will charge a fee for the currency exchange at the time of purchase. Check with your credit card to see what fees will incur.
You can start off building credit with Capital One; they have a VISA where you put up money of your own, and use the credit card similar to a debit card. Building credit history is the key. In the States even illegal aliens without social security numbers can get credit cards. Credit history is the key, lenders want to know you have a record of paying off your debts. Of course yearly income helps, as does history with a bank. Try getting a card with a bank you've had a relationship with for a while first. I've known people with salaries as low as $12,000 a year get credit cards.
To build a credit history and raise your credit scores, you must pay your bills on time, you must use credit, and you do not have to pay interest on your credit cards. In fact feel free to pay your credit cards off fully each month. Most importantly, you cannot expect results overnight, building credit takes time.
NO...IF U CROSS THE BORDER ALL HISTORY REMAINS THERE...YOU ARE CLEAN AS EVER...PLUS U LL FEEL GOOD GIVING A BIG F*CK to THE BANKS! ;)