largemarge: Can a US citizen living outside the US get a US credit score?
I have been living in NZ for 21 years so therefore most of my credit history is here. We plan on moving back to the US this year but I am unable to get a “credit score” online as they only give them to US addresses. Is it possible to obtain this score from here to see how well we would qualify for a loan over there? Thanks.
Answers and Views:
Answer by Tlynn
I had this situation with one of my borrowers….they had been living in England for about 8 years. As I recall, what we had to do in order to get a credit history for them was……
You need to have an address in the states. (they started using a sister’s address)
You need to have a credit card etc that are issued here in the states – and then make the monthly payments etc.
They had a home here that they had kept as a rental, once we reestablished a US mailing address, we were able to add that back into their credit file.
We were not able to move any of their credit information from England over here.
former mortgage banker
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