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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