Stilt Team
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Official comment Your credit history acts as sort of a report card for your credit activities. A few years ago, when you applied for a loan, the lender did a hard pull to let everyone else know that you are looking...
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Official comment If you are moving to the U.S. on a legal and valid visa, you have some options to open a bank account. You can open this account depending on where you are and the type of visa. If you are going to...
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Official comment As a non-U.S. citizen, you have relatively less number of options to get access to credit even with a long credit history and a good credit score. They are discriminated by most banks and credit un...
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Official comment It is extremely difficult to get a loan at a reasonable rate without a credit history. U.S. is built on credit and credit scores are really important to access credit - they are a numerical represe...
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Official comment 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 ...
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Official comment It is important to understand different aspects of a credit score. There are 5 major components of a credit score. Payment History - Based on a borrower’s payment history. This is the most importa...
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Official comment Building a credit history in the U.S. is important and takes time. The easiest way to build credit history is get small credit initially and build it up from there. The first step is to get her an ...
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Official comment You can keep your score close to what it is right now with very little effort. Credit score is not a number that goes up or down significantly if you go about your life and don’t make mistakes. Whe...
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Official comment According to conventional wisdom your credit utilization should be below 30%. There is less clarity on how much does a high credit utilization hurts and for what period of time. Also, your overall ...
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Official comment Just credit score is not a complete picture and doesn’t tell the whole story of a potential borrower. When a lender makes a decision, they take into account a lot more factors than just credit scor...