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    Edmundo Daco Jr.

    No you can't build a credit history quickly. There is no shortcut or getting around it. You need to take open credit accounts and utilize them to slowly build your credit history. On the other hand, your credit  score is a little quicker to build, especially if you have good payment history and credit utilization, long credit history, different credit accounts, and have new credit accounts to your name.

    However, if you want to get a loan, there are many private lenders that give out loans even to H-1B holders with limited or no credit history. One of them is STILT. The company specifically helps immigrants and non-immigrants like F-1, OPT, J-1, L-1, O-1 and TN visa holders that are new to the US and have no credit just yet. The company has easy loan requirements, with no SSN and collateral required. Approvals are given 24 hours. There are different payment methods and there are no prepayment fees.

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