How to Build Credit as an Immigrant
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As an immigrant, you come to this country with no credit history. Without a credit history, it may be challenging to make big purchase such as a car or a house. The following are tips that will help you build your credit history as an immigrant in the United States.
- Open a credit card account. You may be unable to get a regular credit card. If that is the case, get a secured credit card and work your way up to a regular credit card.
- Use the credit card for small purchases every month and completely pay off the balance at the end of each month. Setting up automatic payments may help you make payments on time every month and not fall behind.
- If you have a current credit card that was issued in your home country, you may be able to talk to the credit institution and have them issue a United States credit card.
- If you have a spouse that has an established credit history in the United States, you can have them add you as an authorized user to their credit card(s). Also, you can jointly apply for loans with your spouse, which will boost your credit score.
- Find institutions that are willing to lend to immigrants. Some financial institutions will be more favorable towards immigrants. You might be able to purchase a car or something similar using a loan from such institutions. Even if you have the necessary funds to fully pay for the purchase, choose to make a down payment and take out a loan for the remaining amount and pay it off over a period of months. While interest rates may be higher than usual for such a loan, it is a great way to build your credit history.
- Rent out an apartment with a landlord that reports rent payments. If your landlord does not report rent payments, you may be able to set up electronic payments that are automatically reported, if your landlord agrees to the arrangement.
- Monitor your credit score closely. Monitoring your score will give you insight into what else you need to do to boost your score. There are credit reporting agencies such as Equifax or Transunion that you can pay a monthly fee to so that you can have access to updated credit reports every month.
- Diversify the types of credit you have. Make sure to have a combination of credit cards, loans and mortgages.
- Make timely payments every month. A late payment, if reported, will negatively affect your credit score and be on credit history for a number of years.
Being an immigrant is a challenge. You are in a new country starting afresh. We, at Kriezelman Burton & Associates, LLC understand the challenges and are ready to help you with any immigration issues you face.
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Brittni Rivera and her team (Carina Lopez) are fantastic! They are responsive, efficient and beyond compassionate. Brittni Rivera and her team treated me with dignity and respect as they patiently answered all of my questions. They didn't move on without making sure I understood each step. Their work ethic was impressive. It felt like they were an extension of my personal team. I can't say enough to convey my gratitude…
Huge thanks to Attorney Matthew for his incredible support on our immigration case! 🙏 He was professional, responsive, and his expertise led to a successful outcome. We truly appreciate his hard work and highly recommend his service.
I’m deeply grateful to God for leading us to this law firm; it is a true blessing to work with such professional and passionate individuals. Their dedication and commitment help make a difficult situation far less traumatic. In our case, we received 100% support from Attorney Andrea Ochoa and paralegal Rafael. May God bless them and allow them to continue this wonderful work. Thank you—a thousand thanks.
I give my total recommendation and trust in this great organization that has supported me and my family in very difficult times, especially the lawyer Andrea Ochoa and her paralegal Rafael who were little angels that God has sent us to be able to face all the obstacles that we have had along the way. Thank you very much with all my heart. ❤️
I have heard from several people that Brittni is a great attorney. When my friend was detained, I recommended Brittni to take his case. She did an amazing job putting together all the necessary information, especially given that we had only a couple of days to submit the habeas corpus application. She and her team worked very professionally and provided clear guidance throughout. She stayed in touch consistently and was…
Highly recommend Jennifer Peyton in federal litigations. She’s very polite and experienced.
I decided to use the services of Kriezelman Burton & Associates, LLC, and Kevin was nothing short of professional and amazing. From the consultation to the final approval, he gave us confidence and reassurance throughout the entire process. When I first told him about my wife’s wish to change her status, the first thing he said was, “We will get it done.” Even during the USCIS pause, he continued to…
Great service and attention. Felt safe and confident since the first meeting. Couldn't be happier with the results and services. I had the pleasure of working with attorney Andrea Ochoa and it was a great experience would absolutely reccomend her services
Our experience with the firm was extraordinary. We worked with attorney Andrea Ochoa. Since the very first meeting we met, Andrea gave us all the confidence to proceed with our case. She always answered our questions shortly and offered clear guidelines to proceed. When my son's case received a notice of intent to deny, she planned how to fight that decision effectively. We totally recommend everyone to trust their case…
I just want to say huge thank you to Mr. Kevin A. Raica. for everything he has done for me throughout my immigration case. When I first came to Kevin, he explained the SIJS process clearly and walked me through the steps. We first needed to get the guardianship court order before moving forward with the I-360, and he connected me with a trusted attorney to help with that part.…
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