No credit file

[j2figuer]

Hello everyone,

My husband is a new US resident and very new to establishing credit. He was denied for the Capital One secured card a few weeks back due to not having a credit file. We sent a recon letter but as of now we have not received a response. We needed a second car and surprisingly he was able to get a small loan and that should hopefully start generating a file/ score. We got pretty discouraged on the CC situation but I read a lot of posts here recommending DCU for people in similar situations. He applied for the secured Visa but was notified that they actually approved him for a '' regular'' Visa with a 3k limit!

My question is should he try to get another credit card now or should the loan and the one cc be enough for him to build a good score soon?  We plan on keeping the Visa at 10% util.

Adding him as an authorized user on my accounts is not an option at this time since I am working on cleaning up some things and I don't want that to affect his credit.

Any advice/ input would be greatly appreciated!!

[down_n_out]

Going through a similar situation but I am not a new resident, I got a unsecured Cap One Card but thats all i could get. You can try FingerHut Credit and there are few other CC that don't do credit checks I think OpenSky Secure Card.

[ptilda]

I was able to put hubby on my Wally card and my Fidelity card before he even gets here & gets a SSN. Without that, I would see if you can get Walmart or something else with the limited file. They just want to be sure he's a real person & not someone setting up a fradulent account.

[parakleet]

i would stick with the DCU visa for now and work on building a good payment history for at least the next 6-12 months. By that time, you will have more options available to you in terms of credit cards. I wouldn't bother with secured cards or other subprime cards right now. The dcu card is a good card so I'd just stick with that for now. 

[Cheryla18]

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@j2figuer wrote:

Hello everyone,

My husband is a new US resident and very new to establishing credit. He was denied for the Capital One secured card a few weeks back due to not having a credit file. We sent a recon letter but as of now we have not received a response. We needed a second car and surprisingly he was able to get a small loan and that should hopefully start generating a file/ score. We got pretty discouraged on the CC situation but I read a lot of posts here recommending DCU for people in similar situations. He applied for the secured Visa but was notified that they actually approved him for a '' regular'' Visa with a 3k limit!

My question is should he try to get another credit card now or should the loan and the one cc be enough for him to build a good score soon?  We plan on keeping the Visa at 10% util.

Adding him as an authorized user on my accounts is not an option at this time since I am working on cleaning up some things and I don't want that to affect his credit.

Any advice/ input would be greatly appreciated!!

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What is the DCU card?

[SunriseEarth]

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@j2figuer wrote:

Hello everyone,

My husband is a new US resident and very new to establishing credit. He was denied for the Capital One secured card a few weeks back due to not having a credit file. We sent a recon letter but as of now we have not received a response. We needed a second car and surprisingly he was able to get a small loan and that should hopefully start generating a file/ score. We got pretty discouraged on the CC situation but I read a lot of posts here recommending DCU for people in similar situations. He applied for the secured Visa but was notified that they actually approved him for a '' regular'' Visa with a 3k limit!

My question is should he try to get another credit card now or should the loan and the one cc be enough for him to build a good score soon?  We plan on keeping the Visa at 10% util.

Adding him as an authorized user on my accounts is not an option at this time since I am working on cleaning up some things and I don't want that to affect his credit.

Any advice/ input would be greatly appreciated!!

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Congrats!   I'd recommend getting at least 6 months of payment history on the DCU Visa to generate a FICO score and positive payment record.   

[j2figuer]

It is a credit union. Their website is DCU.org. So far, they seem nice to deal with.

[Cheryla18]

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@j2figuer wrote:

It is a credit union. Their website is DCU.org. So far, they seem nice to deal with.

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Thank You