As you plan for your future in the United States, one thing that you need to consider, is your credit score. You will need to work on your US credit score in order to apply for a range of things, from a phone plan to a home mortgage. The US system may initially seem very unfamiliar for new migrants, but once you get the hang of the basics, you’ll soon be on your way to build your credit score as a new immigrant in the US. 1. Start using a credit card (secured or unsecured). 2. Become an Authorized User on someone else’s card. 3. Use a US credit card from Day 1 4. Apply for a credit-builder loan. 5. Pay your bills on time. 6. Make frequent payments. 7. Pay off your debts before your due dates 8. Keep your credit utilization ratio less than 30%. 9. Check if the Bureau Check will affect your Credit Score. 10. Diversify your credit types.
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