If I return to the US will I have to build a new credit history?

Dear James,

After 20 years in the UK I'm thinking about moving back to the US.  Will I be able to get an up-to-date credit score there or will I have to build up a credit rating from scratch?

Kevin, Stafford

Dear Kevin,

I’m afraid it’s not particularly good news. While you may have an excellent credit history in the UK, this cannot be transferred to the US if and when you move back there. Not by the credit reference agencies anyway. But what you can do is obtain a copy of your credit report from us before you leave and take it with you to the States. You can then offer to provide it to any lender you approach for credit in the US, to help you re-establish your credentials there. You should also engage with my US colleagues to see whether they can offer you advice to help fast-track the rebuilding of your US credit history. The Ask Experian column would be a good place to start, as well as ordering a copy of your US credit report. You can currently obtain a free UK credit report and Experian Credit Score via the CreditExpert free trial, so you could take advantage of that if you haven’t done so already. Good luck! (November 2012)


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