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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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We are incredibly grateful for the guidance and support we received from Kriezelman Burton & Associates during our family’s Green Card petition process. We had a very complicated case that several other lawyers could not take on, but that was not the case with Kriezelman Burton & Associates. From the beginning, our Attorney Mr. Kevin Raica made us feel heard, supported, and confident that our case was in good hands.…
Highly recommend Attorney Erin Cobb and her entire team. Extremely knowledgeable, compassionate, and urgent to serve and solve any issue.
I would like to express my deepest gratitude to my attorney, Kevin Raica, for his incredible professionalism, dedication, and genuine care🙏🏻 My case was extremely complicated, It felt like everything was lost and there was no way to fix it. But Kevin did the impossible — he managed to reopen my case, restore everything, and lead it to a successful result at the interview. His persistence, deep knowledge, responsibility, and…
I had a great experience working with Matthew Kriezelman and Kamila Lada. They were professional, knowledgeable, and truly cared about my case. They always took the time to answer my questions and kept me informed every step of the way. Their kindness and attention to detail made a stressful process so much easier. I’m very grateful for their help and highly recommend them.
I am writing to appreciate Attorney Erin and Attorney Andrea for making it possible for me to be represented within a short notice. If you both ever read this, I truly want to express my heartfelt gratitude to both of you. Andrea was right by me, and I felt her presence through it all. I cannot speak enough about this firm. I will continue to send people to this firm…
I had the pleasure of working with attorney Khiabett Osuna and Rafael. They were knowledgeable, professional, and genuinely cared about my case from start to finish. They were both very kind and every question I had was answered promptly, and they always made me feel supported and informed. Their attention to detail and compassion made a stressful process so much easier. I’m beyond grateful for their hard work and highly…
I had a wonderful experience working with Kriezelman Burton & Associates, LLC. From start to finish, the team was professional, knowledgeable, and truly dedicated to guiding me through every step of the process. They made what could have been a stressful situation feel smooth and manageable, always answering questions quickly and keeping me updated. I especially want to thank Khabit for his outstanding support—he was patient, detail-oriented, and went above…
Many thanks to attorney Kevin A Raica and his assistant Rafael Rodriguez for all their help. My immigration case went very smoothly and quickly.
We worked with Kevin Raica from Kriezelman Burton & Associates, LLC, and I can confidently say he went above and beyond for us. Our process was very long and at times overwhelming, but Kevin guided us every step of the way with professionalism, patience, and dedication. He was always available to answer our questions, explained everything clearly, and made sure we understood our options at each stage. What stood out…
A family friend referred me to work with Maya Flores at Kriezelman Burton & Associates, LLC to help me with my U.S. naturalization. Despite the current immigration tension, Maya helped make the process smooth and her familiarity with procedure helped ease my anxiety. She submitted the citizenship application on my behalf and let me know what to expect. I decided to retain her service for the civics interview as well,…
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