Can I use my credit history from India or another country to qualify for U.S. credit?
Not directly. U.S. lenders can't pull your home-country bureau file, and the three U.S. bureaus (Equifax, Experian, TransUnion) don't import it, so your foreign score effectively resets to zero when you arrive. A few global banks and specialized services can translate an international credit profile for specific products like a first credit card or auto loan, and some issuers underwrite newcomers off bank-account data. Otherwise you rebuild from scratch with a secured card, credit-builder loan, or authorized-user tradeline. Building six to twelve months of on-time U.S. history usually unlocks mainstream cards. The CFPB's newcomer resources at consumerfinance.gov explain why foreign history doesn't carry over.
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