Building credit as an immigrant

If you’re new to the United States, you’ve probably got a lot on your mind. There’s plenty to do to get settled, including getting your finances in order. Establishing and building credit is an important step when it comes to your financial goals. It will help you participate in the marketplace, whether you want to buy or rent a home, purchase a car or start planning for your future.

Most credit histories from other countries don’t transfer to the United States, which means you’ll likely need to build credit from scratch. You may be wondering: How long does it take to build credit? The truth is, it takes time, and there aren’t shortcuts to building credit. Be wary of anyone promising a quick fix.

Common credit questions for non-citizens


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