Can a US citizen living outside the US get a US credit score?
Question by largemarge: Can a US citizen living outside the US get a US credit score?
I have been living in NZ for 21 years so therefore most of my credit history is here. We plan on moving back to the US this year but I am unable to get a “credit score” online as they only give them to US addresses. Is it possible to obtain this score from here to see how well we would qualify for a loan over there? Thanks.
Best answer:
Answer by Tlynn
I had this situation with one of my borrowers/ They had been living in England for about 8 years. As I recall, what we had to do in order to get a credit history for them was…
You need to have an address in the states. (they started using a sister’s address)
You need to have a credit card etc that are issued here in the states – and then make the monthly payments etc.
They had a home here that they had kept as a rental, once we reestablished a US mailing address, we were able to add that back into their credit file.
We were not able to move any of their credit information from England over here.
-former mortgage banker
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How To Build Credit And Rebuild Credit For Financial Success: Get Expert Credit Advice For Building Credit and Credit Repairing To Help You Get High Credit … Difficulty To Improve Your Level Of Living
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Credit when used wisely can do a lot to help us improve our level of living.
Good credit allows for many advantages that we sometimes take for granted: credit cards, the ability to rent an apartment, qualifying for home financing or a car loan, borrowing money from banks and so much more.
That’s why it is imperative to build a good credit history from the moment you start establishing credit. It is also necessary to rebuild credit right away when there is damage done and you have bad credit.
If you fall behind in payments towards a creditor, each incident will be reported to your credit bureau and it will end up reflecting as bad credit in your credit rating. When you have bad credit, you make all the credit-dependent activities mentioned above difficult, if not impossible, for you.
Without credit to help you get by in life, how can you afford some of the things that can improve your way of living?
The information in this book will help you, firstly, to build credit if you need to establish credit and, secondly, to help you rebuild your credit, either raise your credit score or fix your bad credit rating. With the credit advice and credit tips from financial experts, this book will surely help you get good credit history so you can easily obtain credit from anyone, anywhere and use that credit wisely to improve your level of living.
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