Sarah met her boyfriend Tim on vacation. After a year of long distance dating, she decided to relocate to be closer to him. But her move was more complicated than most, since she was moving from Canada to the U.S. As a nurse, she was able to find work here fairly easily. She then opened a bank account, but when she tried to get a credit card from her bank, she was turned down due to lack of a credit history. Although she had established some credit in Canada, none of that showed up in U.S. credit reporting agencies' files.

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