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mccbsimon

Does bad credit follow you to the US?

By mccbsimon in Moving to the US and Your New Life In America

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mccbsimon Explorer

mccbsimon   5

Posted
Filed: AOS (pnd) Country: Canada
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Posted

ok so im a Canadian. I am 100% positive i dont have good credit. When i receive my social security number and attempt to apply for credit cards, loans etc, will that bad credit follow?

Day 000- 08/08/2011 - Petition for alien relative (I-130) mailed to Chicago Illinois

Day 003- 08/11/2011 - Text and email confirmation from USCIS of receipt

Day 013- 08/22/2011 - Received receipt for I-130

Day 198- 03/07/2012 - Text and email confirmation of APPROVED I-130!

Day 203- 03/12/2012 - I-130 approval letter received

Day 323- 07/05/2012 - AOS package (I-485 + I-765) mailed to Chicago Illinois

Day 329- 07/11/2012 - Text and email confirmation from USCIS of receipt

Day 332- 07/14/2012 - Received receipts for I-485 and I-765

Day 336- 07/18/2012 - Recieved ASC Appointment Notice (biometrics) for 08/02/2012 @ 8:00am

Day 341- 07/23/2012 - Biometrics early walk-in SUCCESS!

Day 372- 08/23/2012 - Text and email confirmation of Interview date set for October 4th, 2012

Day 372- 08/23/2012 - Received interview letter in mail!

Day 384- 09/04/2012 - Text and email confirmation of EAD Card Production. OMG! approval feels good!

Day 390- 09/10/2012 - Text and email confirmation of EAD Card mailed to address on file

Day 390- 09/10/2012 - Text and email confirmation of USPS picking up mail from USCIS

Day 393- 09/13/2012 - Received EAD Card in mail!!!!

Day 393- 09/13/2012 - Text and email confirmation of USPS reporting the EAD Card was received by customer!

Day 414- 10/04/2012 - Interview and on the spot APPROVAL! PERMANENT RESIDENT!

dukeandduchess Rising Star

dukeandduchess   141

Posted
Filed: K-1 Visa Country: Canada
 Timeline
Posted

No. At least that's what the bank we use told me. No credit is often the same as bad credit though, so you should try to get a secured credit card to establish your credit to start out. Again, that's the advice I got at the bank.

mccbsimon Explorer

mccbsimon   5

Posted
Filed: AOS (pnd) Country: Canada
 Timeline
  • Author
Posted (edited)

No. At least that's what the bank we use told me. No credit is often the same as bad credit though, so you should try to get a secured credit card to establish your credit to start out. Again, that's the advice I got at the bank.

are you sure? i know that the US and Canada use some of the same credit companies such as Equifax and Transunion...would they not share information back and fourth?

Edited by mccbsimon

Day 000- 08/08/2011 - Petition for alien relative (I-130) mailed to Chicago Illinois

Day 003- 08/11/2011 - Text and email confirmation from USCIS of receipt

Day 013- 08/22/2011 - Received receipt for I-130

Day 198- 03/07/2012 - Text and email confirmation of APPROVED I-130!

Day 203- 03/12/2012 - I-130 approval letter received

Day 323- 07/05/2012 - AOS package (I-485 + I-765) mailed to Chicago Illinois

Day 329- 07/11/2012 - Text and email confirmation from USCIS of receipt

Day 332- 07/14/2012 - Received receipts for I-485 and I-765

Day 336- 07/18/2012 - Recieved ASC Appointment Notice (biometrics) for 08/02/2012 @ 8:00am

Day 341- 07/23/2012 - Biometrics early walk-in SUCCESS!

Day 372- 08/23/2012 - Text and email confirmation of Interview date set for October 4th, 2012

Day 372- 08/23/2012 - Received interview letter in mail!

Day 384- 09/04/2012 - Text and email confirmation of EAD Card Production. OMG! approval feels good!

Day 390- 09/10/2012 - Text and email confirmation of EAD Card mailed to address on file

Day 390- 09/10/2012 - Text and email confirmation of USPS picking up mail from USCIS

Day 393- 09/13/2012 - Received EAD Card in mail!!!!

Day 393- 09/13/2012 - Text and email confirmation of USPS reporting the EAD Card was received by customer!

Day 414- 10/04/2012 - Interview and on the spot APPROVAL! PERMANENT RESIDENT!

Holly2234 Rising Star

Holly2234   66

Posted
Filed: Lift. Cond. (apr) Country: United Kingdom
 Timeline
Posted

No they dont.

We have credit problems in the UK (electricity company made a mistake reading our metres for a whole year and dumped a massive bill on us that we cant pay as well as our other regular ones) which is not our fault, its down to human error on the companies part. We dont even get those red letters because they know its their fault! But it has still caused problems with our credit. Our bank wont give us an overdraft etc.

So there are no bad habits to follow us to the US thankfully! So im really glad somebody elses fail wont follow me.

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11-21-2014: RFE. Received on 11/24/14.

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mccbsimon Explorer

mccbsimon   5

Posted
Filed: AOS (pnd) Country: Canada
 Timeline
  • Author
Posted (edited)

Most companies don't report across country lines. But the habits that caused the bad credit probably will follow you here.

no, the "habit" you call it certainly has not. prior to moving here i HAD a PAST life in which i made some poor choices. Lucky for me, unlike you i am a positive person and have made some changes. is it possible that you my friend, cannot see the forest through the trees? ;)

as for the credit issue, thank goodness because i have a family i need to look after.

Edited by mccbsimon

Day 000- 08/08/2011 - Petition for alien relative (I-130) mailed to Chicago Illinois

Day 003- 08/11/2011 - Text and email confirmation from USCIS of receipt

Day 013- 08/22/2011 - Received receipt for I-130

Day 198- 03/07/2012 - Text and email confirmation of APPROVED I-130!

Day 203- 03/12/2012 - I-130 approval letter received

Day 323- 07/05/2012 - AOS package (I-485 + I-765) mailed to Chicago Illinois

Day 329- 07/11/2012 - Text and email confirmation from USCIS of receipt

Day 332- 07/14/2012 - Received receipts for I-485 and I-765

Day 336- 07/18/2012 - Recieved ASC Appointment Notice (biometrics) for 08/02/2012 @ 8:00am

Day 341- 07/23/2012 - Biometrics early walk-in SUCCESS!

Day 372- 08/23/2012 - Text and email confirmation of Interview date set for October 4th, 2012

Day 372- 08/23/2012 - Received interview letter in mail!

Day 384- 09/04/2012 - Text and email confirmation of EAD Card Production. OMG! approval feels good!

Day 390- 09/10/2012 - Text and email confirmation of EAD Card mailed to address on file

Day 390- 09/10/2012 - Text and email confirmation of USPS picking up mail from USCIS

Day 393- 09/13/2012 - Received EAD Card in mail!!!!

Day 393- 09/13/2012 - Text and email confirmation of USPS reporting the EAD Card was received by customer!

Day 414- 10/04/2012 - Interview and on the spot APPROVAL! PERMANENT RESIDENT!

 
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