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New Visitor
ewujun
Posts: 1
Registered: ‎07-26-2007
0

New SSN, Old Credit History - Help

Hi, I am an international student so when I came to the US two years ago, I did not have a SSN.  However, I got a secured credit card from a commercial bank.  One year later, the bank freed the deposit and increased my credit limit.  Now, I just received my ssn and provided the ssn to the commercial bank.  I will continue to have business relationship with the bank.  My understanding is that over the last two years, I only have a credit history with the bank and the information was not shared.  Question: since now I have offered my ssn, will my credit history over the last two years part of my credit score today or I have to start everything from zero?  Thanks a lot and would appreciate any insights.
 
Eric
Established Contributor
Takunda1
Posts: 512
Registered: ‎06-08-2007
0

Re: New SSN, Old Credit History - Help

I am sure all your history will be posted on your credit report. Call your bank and find out. Then let us know what they say.
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: New SSN, Old Credit History - Help



ewujun wrote:
Hi, I am an international student so when I came to the US two years ago, I did not have a SSN.  However, I got a secured credit card from a commercial bank.  One year later, the bank freed the deposit and increased my credit limit.  Now, I just received my ssn and provided the ssn to the commercial bank.  I will continue to have business relationship with the bank.  My understanding is that over the last two years, I only have a credit history with the bank and the information was not shared.  Question: since now I have offered my ssn, will my credit history over the last two years part of my credit score today or I have to start everything from zero?  Thanks a lot and would appreciate any insights.
 
Eric


Your Hx will be reported to the CRAs... If you are concerned it will not, give the bank a call and ask. :smileyhappy:
 
Keep plugging away!
 
Rob

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