nikhilboorla Posted June 15, 2022 Author Report Share Posted June 15, 2022 3 minutes ago, JackSeal said: Next time if you come to USA you wont get an apartment (you need to pay deposit), auto loan to buy car, mortgage, credit card. So all your transactions will be on debit. but not all apartments looks for credit history right? wat about fresh H1b candidates?how do they get apartments without SSN? Quote Link to comment Share on other sites More sharing options...
LadiesTailor Posted June 15, 2022 Report Share Posted June 15, 2022 32 minutes ago, nikhilboorla said: I came from US to india in 2014 but from past few months i got letters from credit card companies in 2016,2017 as i didnt pay before leaving. Will it become problem if i enter into US next year as i am planning to file H1 next year. or do i need to pay them?? No issues entering US… yes you need to pay them after you reach here.. find a person who can co-sign with you for any loans starting from car loans… It may take around six to seven years to cleanup all this and think twice before applying h1… if you are okay with dealing with credit history and living on some one else credit then no issues Quote Link to comment Share on other sites More sharing options...
Ravi860 Posted June 15, 2022 Report Share Posted June 15, 2022 1 minute ago, jsk423 said: credit history 300 min andariki untadi...But what creditors are really looking for is the negative remarks. All those remarks will be gone by 7 years. really? if someone have 50k in debt and won't pay for 7 years.. it won't be on credit history? 😮 I doubt it man Quote Link to comment Share on other sites More sharing options...
JackSeal Posted June 15, 2022 Report Share Posted June 15, 2022 2 minutes ago, Ravi860 said: really? if someone have 50k in debt and won't pay for 7 years.. it won't be on credit history? 😮 I doubt it man Remarks will wipe off but not the debt, so banks have every right to come after you until you die Quote Link to comment Share on other sites More sharing options...
JackSeal Posted June 15, 2022 Report Share Posted June 15, 2022 5 minutes ago, nikhilboorla said: but not all apartments looks for credit history right? wat about fresh H1b candidates?how do they get apartments without SSN? Without SSN they make you pay one month rent in advance Quote Link to comment Share on other sites More sharing options...
HugoStrange Posted June 15, 2022 Report Share Posted June 15, 2022 35 minutes ago, nikhilboorla said: i will pay after i go to US....but will it be any issue at POE? no issues at POE, also negotiate with the credit cards or credit collectors that you only pay 20 to 30% max, then u will be good to go. Initial ga rent ki and phone and car ki kastapadathav. everything will go away after couple of years Quote Link to comment Share on other sites More sharing options...
phatposts Posted June 15, 2022 Report Share Posted June 15, 2022 if you have no intentions to pay or anytime sooner, hire a debt consolidation firm. They will "buy" your debt - negotiate with the banks and sell you their debt which is a lower number at a higher interest. Your remarks will be less harmful, score gets fuc$kedup, after 5-7y you can have a cleaner start. Ee transition period lo anywhere you have needs with legal credit, neeku tippalu tappavu. Apartments, some employers, loans (car home personal), insurance, etc. Asalu motham enta ? Quote Link to comment Share on other sites More sharing options...
sarvayogi Posted June 15, 2022 Report Share Posted June 15, 2022 bottom line -- Close you big G and pay bills on time even if you leaving to India Quote Link to comment Share on other sites More sharing options...
raccharambola Posted June 15, 2022 Report Share Posted June 15, 2022 1 hour ago, nikhilboorla said: I came from US to india in 2014 but from past few months i got letters from credit card companies in 2016,2017 as i didnt pay before leaving. Will it become problem if i enter into US next year as i am planning to file H1 next year. or do i need to pay them?? KTR ki requset pettu twitter lo ...mottam kattestadu Quote Link to comment Share on other sites More sharing options...
Midnightsun Posted June 15, 2022 Report Share Posted June 15, 2022 Out of the topic 2014 lo vachi, ipadi varaku india lo unnavante saahasam ane cheppali. india 2.0 ki witness nuvve...sacche din aaya hain Quote Link to comment Share on other sites More sharing options...
Pandubabu Posted June 16, 2022 Report Share Posted June 16, 2022 8 hours ago, Ravi860 said: rent, car or even buy home... everything will be an issue. so you need to clear everything Some employees/ clients will check credit in BGC , no ? Quote Link to comment Share on other sites More sharing options...
Kakynada Posted June 16, 2022 Report Share Posted June 16, 2022 no issuyes Quote Link to comment Share on other sites More sharing options...
Rendu Posted June 16, 2022 Report Share Posted June 16, 2022 11 hours ago, nikhilboorla said: I came from US to india in 2014 but from past few months i got letters from credit card companies in 2016,2017 as i didnt pay before leaving. Will it become problem if i enter into US next year as i am planning to file H1 next year. or do i need to pay them?? If they took you to court, then there will be a wage garnishment.....again this supposed to be done within 3 years from the last day of your payment..... It depends upon statute of limitations ( varies with state) . If it's over 3 years, they cannot sue you in court... Usually amex, discover , capital one love to sue people who don't make payments... Quote Link to comment Share on other sites More sharing options...
Rendu Posted June 16, 2022 Report Share Posted June 16, 2022 12 hours ago, phatposts said: if you have no intentions to pay or anytime sooner, hire a debt consolidation firm. They will "buy" your debt - negotiate with the banks and sell you their debt which is a lower number at a higher interest. Your remarks will be less harmful, score gets fuc$kedup, after 5-7y you can have a cleaner start. Ee transition period lo anywhere you have needs with legal credit, neeku tippalu tappavu. Apartments, some employers, loans (car home personal), insurance, etc. Asalu motham enta ? Debt consolidation is scam.... You can talk to creditor on your own and save money.... Debt consolidation firms don't buy your debt 😜 ... Either way your credit score will be fked Quote Link to comment Share on other sites More sharing options...
fasak_vachadu Posted June 16, 2022 Report Share Posted June 16, 2022 11 hours ago, nikhilboorla said: i will pay after i go to US....but will it be any issue at POE? Nenu Poe ki chepthanu née flight details share here Quote Link to comment Share on other sites More sharing options...
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