I have just moved to the USA, i am a citizen, but am having  troubles because i have no US credit history?
453783
Credit history is not a "fast thing."  That's why it's called "history."  \n\nI would start by getting 2 credit cards.  Charging your daily "miscellaneous needs" to them.  Pay them off on time or ahead of time.\n\nAfter 2 years, acquire more credit cards visa/mc/discover but close the others after you have in favor of the new ones.  (make sure you have better interest rates, or don't do this step) This shows you can GET new credit, and also that you DON'T NEED the old credit.\n\nGood luck and Welcome to America
236525
First u need a credit report.  and it in there with ith the few pages. IT should be in the first second page of the report u can get one at www.freecreditreport.com good luck
15001
y dont you go to immiagration services they might be able to help you better....i mean you were married so automatically i think the person is a citizen or isnt subject to deportation. if all else fails contact maury or whoever
678347
Don't panic....just follow my instructions and you will get through it.\n\nIdentity theft is a huge crime now, and all of the major credit reporting companies have already set up programs to deal with it.\n\nYour first step is visit the FTC's website and read the file they created about ID Theft (see the link below).  \n\nGenerally, the procedure goes like this:\n\nNotify the police and get a police report.  Note the police won't do anything about it...no investigation or anything.  Doesn't matter, you need to have a police report made to protect yourself.  So INSIST that your local police give you one...even if it's just an "incident report".\n\nNotify one of the credit reporting agencies (Equifax, Experian, Transunion) and inform them you are the victim of identity theft.  They will in turn contact the other Credit agencies.  All three will place an ID Theft Victim flag on your report, with instructions to contact you in the event someone tries to get credit in your name.\n\nContact the creditor who gave the loan and inform him it's not your loan.  You may have to supply a copy of the police report, plus a signed and notorized affidavid stating that the debt is not yours.  Go to the link below to get it.\n\nDo this NOW!  ID thieves are like cockroaches.  When you start seeing a problem, it's usually a whole lot worse and you have to begin fighting it.  They may have lots of other loans out there.  You only know about them when the collectors start to come after you.\n\nGood luck, contact me if you need help.  I've been there, and have helped many others fix their problems.
931012
My credit is of perfect condition. How did I get it this way? Simple. I only bought things I needed/saved up for and as soon as my Visa statement arrived in the mail I would write out a check, in full of the balance, and then mailed it out the very next day. I also had a $3500 car loan that has been paid off with no late payments.\n\nYou can always join a credit union and apply for a Visa. However, the more accounts you have open will negatively affect your credit score. Late payments on accounts, old unresolved accounts, over-limit amounts, bankruptcy, ect. will also negatively affect the score.
962092
Are you an American with a Social Security number? AnnualCreditReport.com is an American based company. Credit in the states is Social Security number based, so if you don't have a SS#, you wouldn't be able to pull your credit.\n\nI'm not sure why it won't let you pull your credit If you have a SS#. Maybe if you are from the States and you use the last address you had when you still lived here, instead of your address in Germany it might work. If you have lived in Germany for a long time, then I don't know how current it would be. But it is free, so you might want to try it that way. Otherwise, you might want to try one of the other free credit report sites. Just do a search for free credit reports.
1076838
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
890706
Try this:\n\nBy law they MUST supply you with a free annual credit report.\n\nSend each of the three agencies (get the address at https://www.annualcreditreport.com/cra/order?mail )\n\nSend it by certified mail, return receipt.\nInclude a copy of your driver's license, social security card, and a copy of a utility bill with your name and address on it.  This will establish enough proof that you are the person listed on the report.  \n\nInclude a letter explaining your difficulty in getting the report.  Remind them that the Fair and Accurate Credit Reporting Act requires that they supply you a free copy upon request, and their failure could result in legal action.  Include your contact info including telephone number.\n\nIf this still does not result in a copy of your report, pretend you just won the lottery.  You will easily win a small claims suit for $1000 for their violation.  \n\nI would use this method instead of calling.  You would first have to go through a phone maze at each of the credit reporting agencies, which is silly.
760990
Contact the credit bureaus and tell them you believe your ID was stolen - they'll put a hold on your credit report so if anyone tries to access it, you will be informed. You only need to contact one of the three - they automatically contact each other.\n\nAlso obtain a free copy of your credit report - the government requires you be given a copy once a year on request. You cannot be charged for this service. (See the link below). It's a good idea to do this anyway, even if you haven't had your ID stolen. \n\nBEWARE of services that advertise a 'free report' in exchange for signing up to some monitoring or other service - these are NOT free reports, you'll have to pay.\n\nWhen you get the report, check if anything looks suspicious - accounts you haven't opened for example. If there is any such activity, contact your local police and the credit report company.\n\nPeople search and other such services use public records - just as you could do - to find information about people. These include court and state/federal records that must be released under the freedom of information laws. However, certain information, such as your social security number, may not be made available under penalty of law.\n\nPLEASE NOTE: If you are concerned about using the website listed below, go to http://www.firstgov.gov and search for "free credit report". You will get a link to the annual credit report site from there (All sites ending in .gov are federal government sites so can be trusted). For more information, see the government link below.
268496
1. First get a copy of your credit report when someone denies you. Or go to the free credit report site  https://www.annualcreditreport.com/cra/index.jsp or just call the credit report agencies after you get denied in your credit application. Check if someone has been using your identity, putting black marks on your credit report\n\n2. Start building your credit history by applying for store credit cards. Macy's is more lenient than JC Penney's in my experience\n\n3. Go to your bank and check if there is a way they can give you a credit card. I tried to get a loan before, but they gave me a credit card instead (I was an immigrant with no credit history then)
311656
ITS HORRIBLE..\nYOU SAID NEW TO USA.\nWHICH COUNTRY YOU BELONG.?\nGET HELP FROM YOUR EMBASSY.\nTHINK TWICE AND ACT.\nIF YOU GIVE MORE DETAILS ABOUT YOUR LIVING PLACE WOULD HELP US TO HELP YOU.
227217
Your best bet is probably to start with a secured line of credit.  These are credit cards, however you have to pay against the line of credit ahead of time.  This will allow the lender to give you a card to use and have the money available if you default.  Use the card wisely AND pay off your charges on time.  It'll go a long way to giving you a good credit history.\n\nAnother choice if you can't afford the upfront payment on the secured line of credit is to get a regular credit card and since you have no credit history be prepared to have an obscene interest rate.  Use that card wisely AND pay it off on time to prevent any interest charges.  After some time, you can apply for another card with a lower interest rate and chop up that higher card.  NOW THIS IS IMPORTANT...pay those cards off immediately.  Do not get trapped with revolving credit.\n\nYou can give yourself a decent credit rating in as little as a year or so as long as you always pay your debts on time.\n\nGood Luck
793943
Contact the major credit bereaus. They can provide you tools to correct it without involving the law.
387833
It sounds as if your actual citizenship, adoption and work status are questionable.  You will need to contact the court or attorney who handled your adoption. They may be able to help you trace your documents in order to get a Guatemalan Birth Certificate.  Many children in the US when adopted are issued new birth certificates listing the adoptive parents as the new birth parents. \n\nIs it possible that your adoptive parents told you that you were legal, when that was not really true? The combination of "lost documents" and the social security card with INS restrictions make it all seem suspicious.\n\nIf you ever once had citizenship then you would not need to "get" citizenship again, though you might need to replace your documents. I would start with a visit to the online US embassy, they have information and contacts regarding gaining citizenship. These contacts may be able to help you work through your paperwork step by step to get your desired result.\n\nYou can visit the local Social Security office and get a new Social Security card issued, though it is likely to still have the INS authorization restriction. \n\nYou may benefit from the services of an immigration attorney.
786381
Not sure how you would do this, but could you do a background check on yourself to see if there is anything there incorrectly?  There are tons of cases of credit reports being flawed.  Isn't it possible that a background could have false information in it?\n\nIf they found something, they certainly should have told you.
215063
If you will still have those two negative items on your credit report, even if they are paid in full, contact all 3 credit bureaus immediately about those 2 negative accounts.  Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.  \n\nMake sure to include information on the accounts such as the account numbers and the name of the company.  The three credit bureaus will have to investigate and they will find that you did in fact pay the accounts and they will change that on your credit report to showing that they are now paid in full.\n\nWhatever you do, do NOT bother contacting the accounts that you paid in full and asking them to report to the credit bureaus that you paid them.  They will just jerk you around and say "oh well, it says in our records that we did report it" when in fact they don't.  They got your money and they don't give a crap about the rest to take the time to report to the credit bureaus that you paid them.  So you will have to contact the credit bureaus yourself and let them know that it is incorrect.\n\nIf you don't know, the three credit bureaus are Equifax, TransUnion, and Experian.  The phone number to TransUnion is 800-916-8800, Experian is 888-397-3742, and Equifax is 800-270-3435.  It probably won't be enough to call them to dispute the information, but you can call and ask for their mailing address.  Then you will need to type up a letter to each credit bureau to tell them you are disputing the errors on your credit report.\n\nTo save you some time getting screwed around by the credit bureaus, I recommend you include with your dispute letter a copy of your driver's license, a copy of your social security card, and proof of your current residency such as a copy of your current utility bills with your name on it.\n\nSorry if it sounded like I ever repeated myself, but I am just trying to save you some hastle in the long run.  Because if you don't include all of those things along with the dispute letter right away, the credit bureaus will just screw you around and keep sending you letters requesting more information and it will just take a longer process and you keep having to repeat the information you already sent to them.\n\nIf you haven't guessed, I have gone through this already.  lol  But the upside of this is, the sooner you get this done, the better, and if you have any credit cards or other accounts, just keep them up and try to keep as low of a balance as you can and keep paying.  Your credit score will improve sometimes within 6 months or so.
981572
If you have a valid driver's license you might be able to go to your local social security administration and explain your problem and ask them if they are able to tell you the city you were born in, as that info is likely on your NUMIDENT (the record of your number). They might not be allowed to give that to you, but if you have proper ID and know your mother's maiden name, etc. they just might be able to help you!\n\nOnce you get the city, you could look up the county.