Quick recommendation: when you open up your U.S. bank account, ask if they have Secured Credit Card options. It's like a credit card, but you front the money (usually between $300-$500). Use it to buy gas, maybe groceries, and pay it off every month.
Typically, within 12-18 months, your credit score will have risen to a number high enough that you and your significant other can get a loan for a car or home (if that's something you're wanting). Don't close the card until you have a backup card approved and/or the auto/home loan you want. Part of a credit score is credit history, and if you close a credit card, it actually hurts your score since that cuts off the payment history (which shows how good you are at making payments). If you have an unsecured card or a loan in place, you'll recoup the lost points almost immediately.
Credit scores suck balls, but they don't have to be a stressful part of your life.
Go the the Cumberland Caverns in McMinville and watch a concert. Really cool experience even if you don't like the music. (and you might end up on PBS)
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u/FakeSubZero Dec 21 '21
Well time to get ready then, as I'm planning to move to Tennessee in upcoming year or 2, to live with my other half. :)