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Old 19.09.2011, 15:30
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Credit Report for USA


We are moving to US in coming weeks and have heard about the credit report requirement for atleast 2 years in order to get mortgage or credit cards or car financing... How to get that if you are new there and how to manage this. Is there any other way like getting your credit rating from switzerland trasnfered to US (that is if there is any.. I do not know?) or something else...

Your feedbacks are much appreciated.......
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Old 19.09.2011, 16:57
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Re: Credit Report for USA

Oh Boy......Being originally from the US I can tell you that the credit system is designed to be confusing, and punitive. The best advice I can tell you is to look online and apply for a "secured" credit card. This is what the Swiss would call a pre-paid credit card. You put actual cash down to establish your limit. Use it and pay it off each month. This will help to get you established. You can go to http://www.creditcards.com/no-credit-history.php. This site will show you cards that can be possible with no or limited credit history. You will probably need to call the card companies to speak to someone because you won't have a US social security number and they can help you work that out. Good luck.
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