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Shep & Kali

Need to build U.S. credit history from Canada

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Filed: K-1 Visa Country: Canada
Timeline

So: K1 filed in July, and a notification about missing information came a couple of days ago, so we know that somebody is looking at it, at least.

Looking ahead, I see one big hurdle for our life together Stateside: while my Canadian credit history is good (credit cards, LOC, bills paid off, house purchased, etc.), hers is not so good. She's not a fan of credit cards and a lot of the consumerist madness that surrounds them, so she lives pretty much a cash-only lifestyle: cashes her check at the bank and does her major life payments (rent) through money orders and the rest (phone, utilities) in cash. Which I think is super cool, but credit agencies take a dimmer view of.

So as Cap'm Credit, I'd like to start building a credit history from Canada pending the move down.

The simplest option, I'm GUESSING, would be to see if I can find a U.S. bank that would give me a credit card, then start purchasing things and paying it off immediately. Since it's probably about a year to moving, I can get a good chunk of credit history built up if I make that my primary card.

But I'd like suggestions and pointers on how I can start building my credit history in the U.S.A. from Canada pending my visa.

Thoughts? Thanks!

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Filed: Citizen (apr) Country: Canada
Timeline

http://www.visajourney.com/forums/index.ph...aded&start=

Do some digging my friend.. use the search feature.. there are loads of topics with us Canucks discussing this stuff.. Here's a start!


AOS:

2007-02-22: Sent AOS /EAD

2007-03-06 : NOA1 AOS /EAD

2007-03-28: Transferred to CSC

2007-05-17: EAD Card Production Ordered

2007-05-21: I485 Approved

2007-05-24: EAD Card Received

2007-06-01: Green Card Received!!

Removal of Conditions:

2009-02-27: Sent I-751

2009-03-07: NOA I-751

2009-03-31: Biometrics Appt. Hartford

2009-07-21: Touched (first time since biometrics) Perhaps address change?

2009-07-28: Approved at VSC

2009-08-25: Received card in the mail

Naturalization

2012-08-20: Submitted N-400

2013-01-18: Became Citizen

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Followed up to that thread.

I did try searching, but the signal-to-noise ratio of these forums is pretty bad. A few clear answers here would also be appreciated.

You will be starting more or less with no credit in the US. Some banks can transfer your credit account to a US one if they offer accounts in both countries.

If you have an AMEX card with a high limit, you can jump start your US credit by getting a card in the US.


keTiiDCjGVo

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Filed: Other Timeline

If you have a Canadian dollar AMEX credit/charge card, after you move to the US you can switch it to a US dollar account. Check the AMEX website for info on how to do that.

If you open a bank account with a Canadian bank or international bank that has branches in both countries (ex: HSBC, RBC...) you can likely just transfer your account to the US after you've moved. And if you have a credit card from that particular bank, you can transfer that as well.

When I moved down here I had an MBNA Canada mastercard, and after I moved and got an SSN and a job, I applied to MBNA America for a card. I sent them a copy of my MBNA Canada card statement, with my credit in good standing and they sent me a new credit card. They have since been bought by Bank of America, so I have no idea if this option would still work. I don't know what happened to the MBNA Canada after the buy-out.


divorced - April 2010 moved back to Ontario May 2010 and surrendered green card

PLEASE DO NOT PRIVATE MESSAGE ME OR EMAIL ME. I HAVE NO IDEA ABOUT CURRENT US IMMIGRATION PROCEDURES!!!!!

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Can one who moves to the states and is unable to pay a Canadian credit card apply for bankruptcy in Canada? And if so, would it affect them in the states? I am not sure one could do it but I don't believe it would affect one in the states. Anyone have any knowledge about this?


I HATE miles, gallons, pints, words spelled without u's, and all that other jazz...

07/21/07 Entered United States on K1 visa

08/18 Married

10/20 Sent AOS package to Chicago; arrived on 10/22

11/21 Biometrics appointment

12/14 EAD card production ordered; AP approved

12/15 AOS transferred to CSC

12/22 AP arrives in mail

12/27 Received EAD in mail

02/15/08 Green Card production ordered

02/25 Received Welcome letter in mail

02/28 Green card arrived in mail. Done with USCIS for now

01/12/10 Sent I-751 to California Service Center; arrived on 1/14/2010

02/09 Biometrics appointment in Michigan City, Indiana

02/10 Case updated

02/23 Received NOA

03/08 Card production ordered

03/10 ROC approval letter arrives

03/15 Ten year Green card arrives

02/17/12 Mailed citizenship application

forget day Biometrics appointment in Michigan City, Indiana

05/14 Interview and test in Indianapolis, Indiana

05/23 Received oath letter

06/15 Oath ceremony...end of the line.

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Filed: Other Timeline

why would you want to file bankruptcy? What if you move back to Canada in a few years?


divorced - April 2010 moved back to Ontario May 2010 and surrendered green card

PLEASE DO NOT PRIVATE MESSAGE ME OR EMAIL ME. I HAVE NO IDEA ABOUT CURRENT US IMMIGRATION PROCEDURES!!!!!

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Filed: K-1 Visa Country: Canada
Timeline
So: K1 filed in July, and a notification about missing information came a couple of days ago, so we know that somebody is looking at it, at least.

Looking ahead, I see one big hurdle for our life together Stateside: while my Canadian credit history is good (credit cards, LOC, bills paid off, house purchased, etc.), hers is not so good. She's not a fan of credit cards and a lot of the consumerist madness that surrounds them, so she lives pretty much a cash-only lifestyle: cashes her check at the bank and does her major life payments (rent) through money orders and the rest (phone, utilities) in cash. Which I think is super cool, but credit agencies take a dimmer view of.

So as Cap'm Credit, I'd like to start building a credit history from Canada pending the move down.

The simplest option, I'm GUESSING, would be to see if I can find a U.S. bank that would give me a credit card, then start purchasing things and paying it off immediately. Since it's probably about a year to moving, I can get a good chunk of credit history built up if I make that my primary card.

But I'd like suggestions and pointers on how I can start building my credit history in the U.S.A. from Canada pending my visa.

Thoughts? Thanks!

Here's my $0.02. :)

I had a bit of a head start from you - I met my fiance when I was working down in the US on a J1 visa - so from that time, I kept the US credit card that I had - however, since that was back in 1999, there was nothing on my credit report - essentially I was back in the 'no credit' boat.

Anyhow, my first step was opening a chequing account, and using that. Due to the fact that I had a 'relationship' of sorts with this bank (who held my original credit card), I was able to apply for a new card with them. This was granted, and had a 9 month 0%APR on purchases and balance transfers. So I made a couple of big(ish) purchases, and for the past few months, I've been steadily making payments (at 0% interest) to build my credit. Apparently something is working, because I just had a credit line increase on my first card.

If you're unable to open an account and/or apply for an unsecured credit card, you might want to try a secured one. You give them money ($500 or $1000), and they'll issue you a 'secured' card for that limit. I would do that when you're down visiting, and not try to set things up from Canada. Just FYI, there ARE actually some banks that will look at/pull your Canadian credit report to get you started. That's what I initially did when I lived down there and they wouldn't give me an unsecured card - I had a copy of my Canadian report, and asked them to pull it, and it worked.

When you get down there with your sweetie, you'll probably want to put a utility or two in your name to help build your file.

Let me know if I can be of any (further?) help

Melissa


Dec 18, 2007: sent in second K1 application (again! They lost our first one)

Jan 16 2008 : Call from VSC - they checked in application, then lost B's birth certificate (again!)

Jan 19, 2008: New birth certificate (third copy!) received at VSC

Feb 3, 2008: Cheque cashed!!!

Feb 13, 2008: NOA1

Feb 20, 24, 28, 2008: touched

March 13, 2008: touched again

March 18, 2008: RFE #1 received

March 24, 2008: RFE #1 returned to VSC

April 7, 2008: RFE #2 received

April 8, 2008: RFE #2 returned to VSC

April 16, 2008: RFE #2 received

April 17, 18, 20, 21, 2008: touch

April 30, 2008: NOA2 Sent

May 1, 2008: touch

May 9, 2008: Case received at NVC

May 12, 2008: Sent along to Vancouver Consulate

May 20, 2008: Vancouver's got the case now kids

May 26, 2008: Packet #3 received

June 4, 2008: Immigration Medical & Interview Date received!!

June 30, 2008: Interview in Vancouver

August 1, 2008: Arrive in Florida!!

October 11, 2008: Wedding on the beach... finally!

October 13, 2008: AOS, EAD, and I-131 sent

October 17, 2008: Packet received

October 22, 2008: NOA for AOS, EAD, and I-131. Cheque cashed.

November 4, 2008: RFE :( (received and sent back next day)

November 17, 2008: Biometrics in New Orleans

November 28, 2008: Case transferred to CSC - hopefully things will go quickly??

December 12, 2008: I-131 (travel document) approved

Decemmber 17, 2008: I-765 - EAD - card ordered. Hooray!

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