I suggest getting a secured credit card (they usually give you like $300-500 credit limit) they pay off the the whole amount every billing. This should establish your credit history then they would start sending you applications thru the mail. Dept store credit cards is also good as long as you pay off the whole thing or min balance every billing statement. You can also ask a friend who's an American citizen to co sign your loan.
Regarding taxes, I am somewhat sure that if you do have a bank account in the US and you're not employed in the US and you're not a permanent resident/citizen of the US would raise some flags. There's also a line in the tax forms here in Canada where they ask you if own property outside of Canada valued more than $100k CDN. Unless of course you don't declare it.
My two cents. Please correct as I am somewhat unsure of the last paragraph.
|