Author Topic: Credit scores and international moves  (Read 1103 times)

Ocelot

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Credit scores and international moves
« on: February 02, 2015, 02:51:34 AM »
Hey there, hopefully someone here will be able to help me... I've lived my whole life in New Zealand but am looking to move to the US in the next year or so. I've got a very good credit rating here, although the only line of credit I have open these days is a Visa card which never carries a balance. I can see that within a few years in the US I'll likely want to buy a house, so I'm concerned that my credit-avoiding frugal ways could make attaining a decent score to get a mortgage difficult. Does anyone know if my existing score - given that a lot of it is tied to an international organisation in Visa - will transfer over once I move, or will I be starting with a clean slate again?  Thanks!

bluecheeze

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Re: Credit scores and international moves
« Reply #1 on: February 02, 2015, 02:53:48 AM »
Not sure-

Maybe you can pull up one of your credit reports (1 free per agency per year) and see if the data is there for you?  annualcreditreport.com

Ocelot

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Re: Credit scores and international moves
« Reply #2 on: February 02, 2015, 02:57:11 AM »
Thanks bluecheez, a good idea but it needs a US address and SSN. Maybe something to try once I'm over there.

acorn

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Re: Credit scores and international moves
« Reply #3 on: February 02, 2015, 03:05:17 AM »
In the US, your credit history is linked to your SSN. If you don't have a SSN, then you won't have any credit history in the US. I came to the US a few years ago and started from scratch by first getting a SSN.

Ocelot

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Re: Credit scores and international moves
« Reply #4 on: February 02, 2015, 03:09:26 AM »
Thanks acorn!