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brucewayne

Canadian Student on F-1 visa with USA TD credit card- without SSN, credit history

By brucewayne in Canada

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brucewayne Newbie

brucewayne   0

Posted
Filed: AOS (pnd) Country: Canada
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Hi Everyone!

I am a Canadian F-1 student visa holder in the USA. When I moved to the United States 3.5 years ago I opened a USA TD checking/savings account, and also applied and received a USA TD Credit Card- without a SSN since I was on a student visa and not working.

I have a question- I am currently applying for a SSN and once I receive the SSN and report it to the USA TD, will my USA 'credit history' start from the day I receive my SSN, or will the USA credit history adjust retroactively back 3.5 years while I was on my student visa and first got the USA TD credit card?

Thank you in advance.

Edited by brucewayne
NikLR Grand Master

NikLR   13,227

Posted
Filed: Lift. Cond. (apr) Country: Canada
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Posted

When you add your SSN with a W9 on your USA TD credit card, double check with the company how the credit will be reported. With RBC USA, mine wasn't reported in the until I added the SSN. Until then it reported to Canadian credit bureaus.

You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.  - Dr. Seuss

 

 
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