You must pay attention to your personal credit record when you immigrate to the United States.

American immigrants are coming! Americans don't have personnel files, but they have more objective and valuable moral files than personnel files, that is, credit records. This is the most important personal file of Americans. Americans don't have personnel files, but they have more objective and valuable moral files than personnel files, that is, credit records.

Credit records are not only related to debts, but also record a lot of important personal information. Previous name, past and present address, work unit, date and judgment of court for traffic violation or other reasons, and the implementation of each losing case are recorded. If a person commits a crime, his criminal record is also considerable. If you have ever been bankrupt, or your house and car have been preserved according to law, or you have other contingent liabilities, it will also be recorded. Of course, if you are in arrears with water, electricity, mobile phone, TV, internet and other expenses. These details will also be reflected in your personal credit record. In short, all negative information that happens to individuals will not be missed.

Credit record is like a moral file, and a person's attitude towards debt can really reflect his quality.

Americans rely heavily on credit records. For example, if you apply for a job, your employer will ask you to provide your social security number, which is as important as China's identity card number and will accompany you for life. With this number, your employer will check your credit history and know your past, so that he will decide whether to hire you. If you want to rent a house, most landlords will also ask you to fill out the application form and check your credit history to see if you have paid the bill before and have been driven away by the landlord for this lawsuit. If you are an old-timer, you will run into a wall when you want to rent a house. Yesterday afternoon, a man called to rent our house. We only asked a few questions and knew that her credit was bad. Of course, we are not going to rent it to her. As a result, she cried It is estimated that she was driven out by the landlord and was anxious to find a place to live, but no one wanted to rent it to her. Why does she know all this?

If you want to apply for a credit card or loan, the first thing the lender needs to know is your credit status. When your credit score is low enough, you can't apply for a credit card or loan. If your score is high, you can not only get a loan, but also enjoy the best interest rate, and you will continue to receive invitations from some credit card companies, begging you to apply for credit cards issued by these companies.

If you don't need a loan, a credit card, a job or a house, you may feel that you don't care about your credit history, then you are wrong. Do you have to buy auto insurance when driving in America? Whether it is auto insurance or home insurance, it is inseparable from credit records. The premium you pay is closely related to your credit history. If your credit is good, your premium will be discounted, otherwise you will have to pay more. This is why foreigners who buy auto insurance may have to pay twice as much as ordinary Americans, because foreigners have no social security number and no credit history. In addition, in the United States, individuals sign contracts with some large companies and institutions, and their credit records are sometimes directly related to the success of their business.

Bad credit records will also affect your daily life. People with poor credit will have a higher cost of living than others. Many famous chain stores in the United States issue their own credit cards, such as Macy's, Target, Cole's and so on. It is much cheaper to spend money in these stores with credit cards than without credit cards (for example, Macy's is 20% cheaper and Cole's is 15%-30% cheaper). Customers with bad credit can't apply for credit cards issued by these businesses, and naturally they can't enjoy such preferential treatment.

It is conceivable that Americans with bad credit will feel excluded from society everywhere. Who can blame?

This is a fair society, and the moral file of credit records makes fairness not only a slogan and a dream, but also the most comprehensive practice in the United States, so it is much easier to be a good person in the United States than a bad person. Of course, this moral file also gives people a chance to turn over a new leaf. There will be no negative information in the general credit record for more than 7 years, and the bankruptcy record will be kept for 10 years.