You have never had credit obligations to US banks.

You are a newcomer to the USA.

You have been an authorized user of someone's credit card.

You have had a US credit card or a loan for less than three years.

You have previously declared bankruptcy.

Your credit rating is trustworthy for major credit card companies.

You currently have a USA credit card or any other type of loan.

Your credit limit has never exceeded $5000.

You have been late with your regular payments.

You have declared bankruptcy in the past.

You have had a USA credit card or a loan for more than 5 years now.

Your credit limit is more than $5000. (You have never been late with your monthly payments.)

You have not declared bankruptcy during the last 10 years.