Because you have likely never owned a US-based credit card or other loan, it will be important to open an account and start building credit. Once you start using your account it will take some time to show good history by paying your balances on time, etc.
Feel free to contact a financial expert to get more detailed information on how your previous credit history may be helpful and to see what you can do to build good credit in the eyes of the American credit scoring agencies.
I can also be reached directly if you'd like to contact me.
Yes, Kathy, it does, especially if you are pulling multiple credit reports. When you are shopping, the advise (from the mortgage brokers) is that you might want to pull it once and have copies available for other lenders so that the process will not adversely affect your credit. By how many points, I can not tell you but each point counts when you try to get best rates.