(Closed) Cannot get credit?

posted 4 years ago in Money
Post # 211
Member
1431 posts
Bumble bee
  • Wedding: November 2016

A little off tangent but why not continue with translation work for now? Many translation agencies hire translators internationally (freelance work) provided the individual has experience within the industry, at least 2-5 years using the appropriate software programs, and if they can provide a sample test, etc. you can earn some of your own money without having to worry about your visa status and anyone else supporting you. 

I work in the industry and our international translators are paid with PayPal if they do not have an SSN or US bank account.Please note that I mean translation as in written work, no interpreting (spoken). I’m sure you know the difference but just in case, many use the two terms interchangeably by accident. 

I just have to emphasize this is all freelance work and you would not be treated as or have any benefits like an employee or sponsorship or anything like that. 

  • This reply was modified 4 years, 1 month ago by  partyof2.
Post # 212
Member
54 posts
Worker bee
  • Wedding: June 2013

View original reply
clarissabee:  I feel like there is no way you’re a real person. How do you function? 

Post # 216
Member
261 posts
Helper bee
  • Wedding: May 2016

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clarissabee:  I thought you said your mom gave you the money for your groceries and school supplies(books)? If that’s true then I wouldn’t count that as you paying expenses. That’s your mom paying your expenses. There’s a big difference.

Post # 218
Member
1017 posts
Bumble bee
  • Wedding: October 2015

So this might be a dumb question, but can’t you get a credit card in your home country and just use it in the states?  Why are you trying to build credit in a foreign country where you are only a student

Post # 219
Member
13901 posts
Honey Beekeeper
  • Wedding: November 1999

So a few thoughts on this thread:

– Utilities and rent are almost never on your credit report, unless you fail to make a payment. They can hurt you, and don’t ever help you.

– I drive a used Hyundai (it was a 2015 when I bought it, so it was “used” for 10 months) that I paid $13k for. A $50k car is not a starter car. Seriously – I make in the 6 figures and wouldn’t take out a $50k car loan.

– I get your parents pitching in with food and books. It’s expensive (I went through undergrad and paid for grad school on my own, so I get it very clearly). I think a lot of people are harping on it because you said in prior posts that your parents never help you at all, and then on this post, you get several thousand dollars from them each year. People notice inconsistencies on this site very, very quickly.

– Your income on an application should be your current income. Putting income from a prior internship that has ended is not accurate. I still think you should consider a secured card, but talk to a banker about it. All of these applications will hurt your credit score, so I think you need to ease up a bit.

Post # 222
Member
1431 posts
Bumble bee
  • Wedding: November 2016

View original reply
clarissabee:  it will not be viewed as US employee. An independent contractor is self employed. 

By translation software, I mean: Trados, Plunet, Wordfast CAT tools. Strong formatting and Microsoft word skills. 

Has anything you translated been published? Are your clients (or the agency’s clients) high profile? Are you a member of a professional translation organization? In American, we have the American Translators Association. 

at the very least, look at creating a proz.com profile to advertise your services and hopefully pick up a project.

Post # 225
Member
261 posts
Helper bee
  • Wedding: May 2016

View original reply
clarissabee:  You just said “I do still have expenses even though my boyfriend pays rent. I pay for my own groceries, things like shampoo, feminine products, etc, transport, school supplies, etc.” and yet said earlier that your mom gives you $500-$1,000 a month to pay for groceries and books. So your stories don’t fully add up.

I may have missed this, but where else is the money coming from if not your mom? I thought you currently don’t have a job? (Could be mistaken there.) Is it coming from your savings?

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