How to build credit in the U.S. as a new immigrant
Tuesday 11 Nov 2025
Building a credit history in the United States is one of the most important financial steps for any newcomer. Credit affects your ability to rent an apartment, get a phone plan, buy a car, or even apply for a mortgage in the future. If you're a recent immigrant, don’t worry — you can start building credit even if you’ve just arrived.
As you begin your life in the U.S., it's also smart to compare final expense insurance in the U.S. This type of coverage helps protect your loved ones financially during unexpected events, especially while you're focusing on getting settled.
What is credit and why does it matter?
Credit is your financial reputation. In the U.S., it’s measured by a credit score — a number between 300 and 850 — that shows how well you manage money and pay your bills.
A good credit score can help you:
- Get approved for credit cards or loans
- Qualify for lower interest rates
- Rent an apartment more easily
- Pay lower deposits on utilities or phones
- Be seen as trustworthy by landlords and lenders
Can immigrants build credit?
Yes. Even if you just moved to the U.S., you can begin to build your credit. You don’t need to be a citizen. Many banks and credit programs allow:
- Visa holders (H-1B, L-1, student visas, etc.)
- Permanent residents (Green Card)
- DACA recipients
- Refugees and asylum seekers
- People with an ITIN instead of a Social Security Number
Documents you need to start
| Document | Purpose |
|---|---|
| Passport or government ID | To prove your identity |
| Immigration documents | Visa, Green Card, or approval notice |
| ITIN or SSN | For tax reporting and credit history tracking |
| Proof of income | Pay stubs, job offer, or bank statements |
| U.S. address | Required for most credit applications |
Tip: If you don’t have a Social Security Number (SSN), you can apply for an ITIN through the IRS.
Step-by-step: how to build credit as a new immigrant
1. Open a U.S. bank account
Start with a checking and savings account. Some banks allow international documents to open one.
2. Apply for a secured credit card
These cards require a deposit (usually $200–$500) and are easier to get without credit history. Use it for small purchases and pay on time.
3. Become an authorized user
Ask a family member or trusted friend with good credit to add you to their credit card. Their positive history helps build yours.
4. Apply for a credit-builder loan
Offered by some banks and credit unions. You make small monthly payments, and they report to the credit bureaus.
5. Use credit responsibly
- Pay on time
- Don’t max out your cards
- Keep old accounts open
- Check your credit report regularly
Where to apply or get help
Here are trusted places that work with newcomers:
| Institution or Program | What They Offer |
|---|---|
| Chime Credit Builder | No interest, no fees, reports to all bureaus |
| Capital One Secured Card | Ideal for people with no credit |
| Self Credit Builder Account | Credit-building loans |
| Bank of America for Immigrants | Credit cards and financial guidance |
| Local Credit Unions | Often more flexible with new immigrants |
Common challenges and how to overcome them
| Challenge | Solution |
|---|---|
| No SSN | Apply for an ITIN, use secured cards or loans |
| No U.S. credit history | Start with secured cards or be an authorized user |
| Language barrier | Choose banks that offer Spanish-language support |
| Fear of rejection | Use starter programs made for immigrants |
Starting from zero doesn’t mean you have no options. Many immigrants build strong credit in the U.S. within the first year by taking small, smart steps. Open a bank account, apply for a secured card, and always pay your bills on time. With consistency, your credit score will grow — and open new doors in your life.
And while you plan for your financial future, don’t forget to compare final expense insurance in the U.S to protect your family with peace of mind as you build your new life here.