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Rross21

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Credit for my husband who is a new resident.
How long will it take to establish credit? I have him listed on my card bit wondering how long it will take for hom to have a credit score? Does he start at the bottom and work up? Not sure how credit works for new alien residents.

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As a new alien resident, he would be starting in the same area as someone who just got out of school and starting out.    You have already given him a substantial boost by adding him as an authorized user on your credit cards.  Presuming you made the right decisions on which cards.    Even though he may have only been in the country a few months, he now has the average age of accounts as your cards.   Thus, his credit building started before his arrival.   Birthdates and arrival to this country dates are not part of your credit report.   Make certain that the cards you added him to show timely payments with low utilization and you will find that his scores will jump substantially.  He will not be starting at the bottom with the steps you have already provided.

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