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Your U.S. Credit Roadmap for Newcomers
A calm, step-by-step guide for international students and newcomers building U.S. credit from zero — no cosigner, no history, no jargon.
No email. No signup. Just the roadmap.
International studentsNew immigrantsITIN holders
What's inside
Follow the journey from before arrival through your first bank account, first credit product, first credit report, and first six months.
Need something personalized?
One roadmap, built for your exact situation
This roadmap works for most newcomers. If you want one built for your exact situation, First Year Credit creates a personal roadmap based on your visa, your goals, SSN or ITIN, and your timeline.
Get your personal roadmapEducational, not financial advice. Free to share.