Hi everyone, have been hooked on this forum hubby thinks I am obsessing but here is my story.
Moved here from the UK late summer had fantastic credit there but Zero history here, tried to apply for same cards I had there everyone declined me
same reason thin file I don't even have a FICO score yet lol. I found this board and you have all been so helpful, learnt a lot. According to this board I had 2 options get hubby to put me on his history ( not an option he has lived in Europe for last 5 years so his is shot).
2nd option secured cards so I went ahead got Cap1 $500 CL, BofA $500, so came back to the board decided to garden them as the board suggested for next 6 months which seemed like a great idea since I wont have a FICO score till March/April anyway.
This is where my story get a little weird, I thought one more and then I will give up, applied for Discover card was told in to call to verify info and was approved for 1.5k not huge I know but in my case OK, is this normal I have only had my secured cards since November? Anyone else had this happen to them ( hubby thinks rep fell for my accent lol).
Thank you everyone , Happy holiday
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
financekid wrote:Hi everyone, have been hooked on this forum hubby thinks I am obsessing but here is my story.
Moved here from the UK late summer had fantastic credit there but Zero history here, tried to apply for same cards I had there everyone declined me
2nd option secured cards so I went ahead got Cap1 $500 CL, BofA $500, so came back to the board decided to garden them as the board suggested for next 6 months which seemed like a great idea since I wont have a FICO score till March/April anyway.
This is where my story get a little weird, I thought one more and then I will give up, applied for Discover card was told in to call to verify info and was approved for 1.5k not huge I know but in my case OK, is this normal I have only had my secured cards since November? Anyone else had this happen to them ( hubby thinks rep fell for my accent lol).
Thank you everyone , Happy holiday
Wow, I didn't think anybody would be approved with a thin file with only 2 months of history! Congrats!
Current Score: DCU EQ 715 - EXP+ 711 - WM TU 719I am a bit surprised myself, although to clarify I had to speak to a supervisor some nice guy from Delaware and had to explain my story -the smallest limit I have back in the UK is about 5k although I don't think that matters right. Well we will see card is supposed to be here by Monday.
Still the info on the board has taught me a lot about American credit, thanks.
financekid wrote:I am a bit surprised myself, although to clarify I had to speak to a supervisor some nice guy from Delaware and had to explain my story -the smallest limit I have back in the UK is about 5k although I don't think that matters right. Well we will see card is supposed to be here by Monday.
Still the info on the board has taught me a lot about American credit, thanks.
I know some of the pain. I came from the UK nearly 30 years ago, good credit there (although not 5K GBP then, that was a fortune!) but nothing transfers. I was wondering if things are different now, with Capital One cards in both places, Barclays with a big presence here now, but probably not.
I ended up getting my first US card from my bank (a predecessor of Bank of America) and once I had that for a while, other stuff fell into place. Have you looked at Capital One for Newcomers? Horrible APR but meant to be designed for this situation? Probably not needed now you have discover.
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