How do you build credit history for immigrant SO. Been married 4 yrs and so has second credit cards from my primary accounts. Do SO has to have own credit card. They have been primary on home lease

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It takes time. Length of the account history is a key factor.

There are credit cards designed specifically for building credit. A quick google search will reveal major options. Credit history is how long you’ve held a credit card or loan so you can’t affect

I built credit as recent immigrant with the secured Discover card. Started in August 2019 and am now at a 730 credit score. When it was possible I did transition to other credit cards that have a larger credit line which helps the score. Most important thing is to make payments every weak or so to keep the leverage as low as possible. That seems to get the score up the fastest.

I moved here 6 months ago and have a credit score of 777 already, no idea how but I didn’t do anything special

We got my wife her own credit card and used it as our families primary card - built a good history pretty quickly. Also we put our cars in her name to build that constant payment ad well

U could get a credit card in their name and pay routine things with it and pay it off every month.. thats a simple way.. i cant say i agree with the car suggestion because his interest rate is gonna be trash and ull be wasting money.. unless u pay it off before maturity

Add them as an authorized user on your credit card with the highest limit. That helped my SO out a lot.

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