The Complete Guide to Building Good Credit as an International Student in the US

If you’re thinking about studying in the United States, your chances of getting a good credit score are definitely improved if you have a good credit history in your home country. However, building a good credit history as an international student can be tricky – especially if you don’t have access to a bank account or credit card. In this guide, we’ll cover everything you need to know to build a good credit score while studying in the United States.

What is good credit?

When you’re looking to get a loan, rent an apartment or sign up for a service, it’s important to have a good credit score. A good credit score means you’re likely to be approved for a loan, rental property, or service.

There are a few things you can do to improve your credit score while studying in the United States. Here are five tips:

1. Pay your bills on time. This includes rent, utility bills, and credit card bills. Credit card companies and landlords look at your payment history when determining whether to give you a loan or lease. If you can avoid late payments, it will improve your credit score.

2. Establish a good credit history. This means using your credit cards responsibly and paying off your debts on time. You can also ask your bank or credit card company for a lower APR (annual percentage rate) if you make on-time payments and have a good credit history.

3. Keep your records clean. This means keeping track of all the important information including addresses, phone numbers, dates of birth, and social security numbers. If anything changes, update your records immediately. This will help improve your

How can I improve my credit score?

If you are an international student in the United States, you may be wondering how to improve your credit score. Here are some tips to get started:

1. Keep up appearances. Make sure you have all of your bills paid on time and that your credit report reflects a good image of your finances.
2. Limit debt. If you can, try to avoid taking on too much debt, especially if you don’t have a solid income or haven’t been able to maintain a good credit history in your home country.
3. Get a secured credit card. A secured card allows you to borrow money against something valuable, such as your car or home equity. This can help build your credit score and reduce the amount of borrowing you need to do in the future.
4. Use credit sparingly. Don’t use your credit cards for everyday expenses – only use them for larger purchases that will have a positive impact on your overall credit score.
5. Monitor your credit score regularly. Check yourcredit reportandcredit scoreson Credit Karma every month to make sure they remain high and appropriate for the type of loan you are looking for.

What are the best ways to build good credit in the US?

There are a few different ways to build good credit in the US. One way is to get a credit score. A credit score is a number that shows how likely you are to pay your debts back. You can get a credit score from TransUnion or Equifax. Another way to build good credit is to have a good credit history. This means that you have never had any problems with your debit or credit score. You can have a good credit history by paying your bills on time, using only authorized lenders, and never borrowing too much money. You can also try to improve your credit score by using approved credit counseling services or by using approved secure online lending products.

What are the steps I need to take to improve my credit rating?

The first step is to get your credit report. You can get your free annual credit report from You can also order a copy of your credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Once you have your reports, take a look at them and identify any mistakes or inaccuracies. Next, you need to dispute any errors you find and make sure all of your credit information is accurate and up-to-date. Finally, follow the steps outlined in our guide to improve your credit rating to improve your score.


Credit is one of the most important factors when looking to buy a home, start a business, or take any other major financial step. However, building good credit can be a challenge for international students in the US. This guide will teach you everything you need to know about how to build good credit as an international student in the US, including how to improve your score on your credit report, understand different types of loans available to you, and find affordable borrowing options. Armed with this information, you’ll be well on your way to improving your credit score and making better decisions when it comes to finances!