Your U.S. credit score typically gets established if you have applied for and opened a U.S. credit card, loan or other credit product while residing in the United States. To check whether you already have a U.S. credit score, you can use annualcreditreport.com to access your credit file and review whether it contains a credit score. The site is verified by the U.S. Consumer Financial Protection Bureau and provides your credit file from all three major U.S. credit bureaus (Transunion, Equifax, Experian) for free once a year.

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