Since establishing a credit history is about how responsible you
are with money, bill paying, etc, try opening a US bank account
solely in your name. Go with a credit union rather than a regular
bank. Among other things, credit unions don't charge exhorbitant
fees. After a few months or so, take out a loan and then pay it
back immediately. Later down the road, try putting one of your
utility bills in your name.
If you don't have a SSN, ask about an ITIN. This will help you
file your taxes next April. I had an ITIN for years before I
applied for a SSN. This also means that you cannot buy a house
here until you've established credit. If you apply for a credit
card without establishing credit history and a job, this may raise
a red flag. JMHO.
i currently only have a joint account with my spouse...the bank
has informed that they may have to strike my name off
the joint account 'cos i don't have a SSN - i suppose to
declare interest income? but anyway...i haven't heard from them
since and my account is still active....so i've no idea wat's going
on.
we tried to apply for a secured card with BOA but was rejected.
now we are trying to apply at another bank...if also
kenna rejected again, then we might just forget about the
whole darn thing for now.
i was going to request for the ITIN but i'd require a letter
from the bank to substantiate my request since the bank is the
one asking for SSN/ITIN to file for interest income...it's been a
couple of months since i've made a request to the bank and until
now, the bank has yet to reply. they are damn inefficient
here! i'm so not used to that.
say if we are not using any of those credit facilities i.e.
balance transfer, cash advancements or are not taking up any
loans....is it really that important to establish credit history?
credit card is just for our convenience....i can still use my debit
card anyway....
tried to open utility accounts with nstar, verizon...all
rejected 'cos without SSN. wat's a credit union?
getting quite sick and tired of this credit history
thingee.....it's like, if you don't gimme a credit card
now...how on earth am i ever gonna establish the history that you
are asking for?? it's stupid stupid stupid...
