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What is the best way for you to build a credit history if you are not a US citizen but have a Social Security number and are married to a US citizen?

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You do not have to be a US citizen to obtain credit. You simply need to find a lender willing to put you in debt! You can begin by establishing a relationship with a local bank. Speak with banker, or loan officer and tell them your goals. You want to express the desire to purchase a car and a house. This represents potential income to the bank. They will give you specific steps to take which can help you get there. You will need to establish at least 3 open credit accounts. Your local bank can extend a secured credit card and a personal loan secured by a Certificate of Deposit. These types of accounts require you to deposit money, which the bank will hold. Because these types of accounts are less risky for the bank, they are more likely to grant them to a credit beginner. This will get you started. Ask your banker what they recommend for a timetable. Follow their suggestions, and at the appropriate point, approach your banker again for another secured credit card, or possibly automobile financing. Following these steps will provide you with an excellent start to building a good credit history. In as little as 18 mos, you can be on your way to borrowing up to your eyeballs like the rest of America! Ain't capitalism grand?
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