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...
You should still request for a ITIN. You will need this come tax
time so get one asap. With this ITIN, you'll find it easier to get
things done. It's kinda like our NRIC. You will need this when
applying for a job etc so it's imperative that you get established
asap. Talk to the people at the SSA office in your area (Social
Society Administration). Right now, in their eyes, you don't exist.
Welcome to America. Things don't move fast here and I so detest
that too. I walk fast, I talk fast, I work fast but I don't drive
fast. 
Seems like they
operate on the opposite of me.
Credit unions are banking institutions without the high fees.
They serve a certain group of people that belong to an organization
like say, govt workers, military, etc or area, say living in the
city of Boston, San Diego, etc. Bring your passport when you go see
them and see if they can help you or point you in the right
direction?
A credit union is a cooperative financial institution that is owned
and controlled by its members, and operated for the purpose of
promoting thrift, providing credit at reasonable rates, and
providing other financial services to its members.[1][2][3] Many credit unions
exist to further community development[4] or
sustainableinternational development on a local
level.[5] Worldwide, credit
union systems vary significantly in terms of total system assets
and average institution asset size[6],
ranging from volunteer operations with a handful of members to
institutions with several billion dollars in assets and hundreds of
thousands of members. Yet credit unions are typically smaller than
banks; for example, the average U.S. credit union has $93 million
in assets, while the average U.S. bank has $1.53 billion, as of
2007.[7]
The World Council of Credit Unions (WOCCU)
defines credit unions as "not-for-profit cooperative
institutions".[8] In practice
however, legal arrangements vary by jurisdiction. For example
in Canada credit unions are regulated as for-profit
institutions, and view their mandate as earning a reasonable profit
to enhance services to members and ensure stable growth.[9] This difference in
viewpoints reflects credit unions' unusual organizational
structure, which attempts to solve the principal-agent problem by ensuring
that the owners and the users of the institution are the same
people. In any case, credit unions generally cannot accept
donations and must be able to prosper in a competitive market
economy.
