Wife is on H4. She has her own ITIN number. 1) how to start building her credit score with this? 2) Planning on house purchase in 2024 after she starts working. Is it better to apply with her or just on my name since I have a better credit score. Please share any other lessons learned. Will be helpful
You need 2 years of either work or credit history (I forgot which) to have a meaningful improvement in mortgage qualification. Better to start now than never.
Add her as an additional user to all your credit cards
Just add her as an authorized user to your credit cards
Don’t think that would help build credit right? Since capital one asked for SSN or no other input when I added my wife? So I skipped SSN
My wife got AMEX credit card with her ITIN … she also has a n IRA in Schwab, bank account with Wells Fargo
H4 visa? How did you do that?
Get ITIN while fling tax returns … use that get credit cards, IRA… u only need a valid ID like passport and visa to open a bank account