Want to Build Credit as a U.S. Citizen? Here is How
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You made it through the immigration process and now you are able to live freely and without fear of removal in the Land of the Free. However, now that you are here, you have quickly discovered that life in the United States is not as easy and carefree as you thought it would be. In fact, it is downright difficult, and a large part of what makes it so difficult is your lack of credit.
To get ahead in the United States, you need excessive amounts of capital or great credit, two things that the average American does not even possess. To buy a house, finance a vehicle, rent an apartment in a nice part of town, or even apply for a good job, you need decent credit. According to MarketWatch, immigrants may now need to show proof of their credit scores just to live in the U.S. But how, when U.S. born-and-raised individuals struggle to build credit, can immigrants generate enough credit to build the life they imagined for themselves before ever being granted green card status? Our Chicago immigration lawyers at Kriezelman Burton & Associates, LLC may have a few tips that can help.
Look Into Secured Credit Cards
Secured credit cards are cards that individuals with little to no credit, or with poor credit, can obtain by putting down a sum of money with the lender as collateral. Sometimes the sum of money is equivalent to the awarded credit limit and sometimes it is significantly less. The sum of money is then held by the bank until it either needs to be used to make up for missed payments or until the borrower proves his or her creditworthiness. Because lenders have little to nothing to lose with secured credit cards, they are easy to obtain, making this one of the best ways for you to begin building your credit score in the United States.
Pay Your Bills on Time and in Full
The key to maintaining a positive credit score is paying your bills on time or before their due dates without fail. “Bills” include everything from your phone bill to your cable bill, and from your rent to your credit card balances. Of course, with credit cards you can pay a “minimum balance,” but if you set the precedent of doing just that, you risk accruing excessive interest and falling behind on your payments. The best thing you can do is pay all your debts in full by the due date. If you spend only within your means, this should be easy to do.
Become Authorized as a User on Another Person’s Card
If you can not, for whatever reason, obtain a credit card of your own, ask a parent, sibling, close family member, or your spouse if you can become an authorized user on his or her account. You do not actually have to use the card, which may be a relief to some, but the account can help you to build your credit, as it will be in your name, as well.
Work With a Chicago Immigration Attorney to Make Life in the U.S. as Easy as Possible
Maintaining a strong credit score can be immensely helpful when you decide to take the next step as a U.S. immigrant. Whether that next step is finding gainful employment, buying a home, or going to university, you will be happy you took control of your credit sooner rather than later. For help paving the way to a better future in America, contact Kriezelman Burton & Associates, LLC, today.
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Kriezelman Burton & Associate are Excellent immigration law firm that understands and guide one through any immigration cases. Attorney Khiabett is one of their best attorneys you can trust, she understands, patient, attentive, and gives honest advice about any immigration case her client has. I HIGHLY recommend the law firm to anyone having immigration concerns. Thank you for all you do.
Outstanding experience and successful Green Card approval with Kriezelman Burton & Associates, LLC! The immigration process can often be stressful and overwhelming, but working with Kriezelman Burton & Associates, LLC in Chicago made the entire journey smooth, transparent, and successful from start to finish. I want to express my deepest gratitude to Justin Burton for his exceptional professionalism, strategic guidance, and confidence from day one. Knowing my case was in…
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Kevin Raica literally saved my life. He helped me out of a dangerous situation that my previous attorney had put me in. After 17 years without status and 6.5 years of working with my previous attorney, I had experienced so many denials that I had completely lost hope. When I met Kevin, everything changed. He genuinely cared about my situation and gave me hope when I couldn’t see any for…
We sincerely thank the entire team for the professionalism, responsiveness, patience, and dedication shown throughout our case. From our very first visit, Justin reassured us that everything would be all right. Thank you, Khiabett, for your expertise, professionalism, and calm guidance before and during the interview, which greatly reduced our stress and gave us confidence. We also deeply appreciate Kamila's hard work, patience, and responsiveness throughout the process. For sorting…
I would like to sincerely thank Attorney Justin Burton and PL Kamila Lada for support with my adjustment of status case. I have been working with the firm for over a year now, and I have received nothing short of exceptional services and support throughout various cases for myself and family members. Highly recommend consulting and retaining this firm.
We have been in the dark with our case for over 2 decades, while working with other big firms who just kept me in the dark and sat on our case without making any effort to move it forward until I met the wonderful team at Kriezelman & Burton. AO and JP are truly God-sent angels who with their knowledge, collaboration, sense of direction and outside the box thinking, managed…
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