[AMIR]

It is six months that I have moved to U.S. and right now I'm 20 years old college student. I have a Bank Of America and I pay all my bills on time. I was wondering if someone could help me to earn credit score and get mortgage to buy a house? I am also planing to buy a car, should I go for installment, will it increase my score? How about getting student loan?

[Use Your Noodle]

I am not sure you can get any type of financing or loan unless you are a citizen here or have a green card and social security number.Are you working at all, or just going to school? Your age will work against you because now if you are under 21, you will need to show proof of income or have a cosigner (and that cosigner would need to have good credit here in America) I doubt you would get a car loan either. Most dealership financing would want you to have a cosigner also. As for a mortgage, you are quite a few years away from even achieving that feat. First, you need to be employed at the same job or type of business for 2 years and have tax returns to prove it. You would need an American bank account, and you would have to have some sort of credit established. Add to that, you would need to have a down payment and money for closing costs, and I am guessing you are so far from that, it isn't even something you should be worried about. Concentrate on school for now and getting a job. You will probably have to start with a secured credit card (provided you could get one if you are a foreigner)