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Building Credit in the USA

Posted on June 27th, 2006 by InternationalStudentGuru

Most students when they come to the USA struggle to purchase things like a cell phone on contract or obtain a credit card from an American bank – and the main reason is that everything in the USA is based around your credit score. Have no score or a bad score and you will struggle to get every day things like a cell phone or credit card! (I know, I have been there!)

To help you out, I have found an article which talks about credit, how it is judged and what you can do to build your score:
http://www.studentplatinum.com/credit_card_education/credit.php

One tip that worked for me to build my credit in the USA was to obtain a small loan with someone who has a good credit score, a joint application. This meant the loan was approved as they looked at the main applicants good credit score but when repayments were made both reports were credited with good, on-time payments – this allowed me to build my credit very slowly until I was approved about a year later for my own credit card.

15 Responses to “Building Credit in the USA”

  1. Anonymous Says:

    this is so neat!!

  2. Anonymous Says:

    this is great information. if this is indicative to how you submit info to the public arena kudos to you and keep up the great work. so many people need this help – no only international students but, americans as well – but, don’t know how to go about finding the information.

  3. Anonymous Says:

    this is great. so many people need this type of information – including americans – but have not idea on how to research or ask for something like this. kudos and keep up the great work.

  4. ros Says:

    GREAT INFO, for both international and U.S. students

  5. Anonymous Says:

    I can identify with that, I wanted to get a cell phone and it was a struggle to do so. Eventually, I ended up taking one whose service is bad. All because when they do the credit check I dont have any credit. Interestingly, people who say they have bad credit can get anything they want. In my country having credit is bad!!

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  9. wii Says:

    Can you explain the first part in a little more detail please?

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