How to Build Credit When You're New to the USA

Sarah showed me the application for her bank's secured card, which looks competitive. She can either start with that card or shop for a secured card at Either way, she should get her free credit score through's Credit Report Card about 60 days after she pays her first bill on the secured card. By then, the issuer should have reported the account and a score should be generated. It won't be a high score to begin with, but she can monitor her progress each month using the Credit Report Card.

We'll follow up with Sarah to see what kinds of results she's achieved, as well as answer additional questions that may have arisen. If you have questions about how to establish credit if you are new to the United States, visit the forum for answers.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.

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