Hi all. I'm an American citizen who moved to England 18 years ago to marry a British national. We're arranging to relocate to the US by the end of the year, once my husband has his greencard.
My concern is that I no longer have a credit rating in the US simply due to inactivity. Apparently a good or bad rating in another country isn't recognised by the US.
I have an American bank account (with very little activity) and a few investments which I set up before moving.
I still hold a US passport.
Can anyone provide advice on how to establish credit prior to making the move?
Thanks in advance.
It is a bit hard to do while out of the country as it is based only on transaction in the US. However once you are back it doesn't take long to pick up if you get a credit card, make utility payments etc. In my experience, within about six months you will have a decent rating again.
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