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  • Official comment
    Stilt Team (Edited )

    Not as of now. Credit history in your home country is not accepted by U.S. lenders for assessing credit risk. It is difficult for U.S. lenders to get a sense of your repayment obligations based on how you perform on credit in your home country.

    There are a few issues with home country credit history:

    1. Economic Conditions - your country may behave economically very different than the U.S. and a credit history is never in a vacuum, it depends on how your country is doing at an overall level. If everything is good and positive, credit performance of people is very different than in a downward economic cycle.

    2. Income Level - salary in the U.S. may be completely different from what it was in India. Different salary levels significantly impact credit performance.

    3. Spend Composition - the things you spend money on in India is very different than in the U.S. India doesn't have insurance and other expenses that are a part of everyone's life in the U.S. This composition of what you spend money on significantly changes your credit risk.

    4. No performance data - U.S. lenders historically don't know the performance of immigrants in the U.S. based on their credit history in their home country, which stops them from using that data

    These are just a few reasons why your credit history in India won't be useful in the U.S.

    Our company, Stilt, helps you build credit in the U.S. even if you don't have any credit history in the U.S. You can start with a smaller loan and then build your credit to a larger loan at low-interest rates.

    If you want to know more about building credit and loans with Stilt work, feel free to reach out to us at

    About Stilt:

    Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future.

    We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

    Learn more about us on Wikipedia or visit us at If you have any questions, send us an email at

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