Can a US citizen living outside the US get a US credit score?

Question by largemarge: Can a US citizen living outside the US get a US credit score?
I have been living in NZ for 21 years so therefore most of my credit history is here. We plan on moving back to the US this year but I am unable to get a “credit score” online as they only give them to US addresses. Is it possible to obtain this score from here to see how well we would qualify for a loan over there? Thanks.

Best answer:

Answer by Tlynn
I had this situation with one of my borrowers/ They had been living in England for about 8 years. As I recall, what we had to do in order to get a credit history for them was…

You need to have an address in the states. (they started using a sister’s address)
You need to have a credit card etc that are issued here in the states – and then make the monthly payments etc.
They had a home here that they had kept as a rental, once we reestablished a US mailing address, we were able to add that back into their credit file.

We were not able to move any of their credit information from England over here.

-former mortgage banker

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