This episode provide comprehensive information on building and managing credit in the U.S., particularly for new immigrants and individuals without a Social Security Number (SSN). They explain that foreign credit histories do not transfer, making it essential to establish a domestic credit profile. Various strategies are detailed, including obtaining a credit builder loan, applying for a secured credit card, or becoming an authorized user on an established account. Furthermore, the texts discuss the Individual Taxpayer Identification Number (ITIN) as a viable alternative to an SSN for accessing many financial products, although two of the three major credit bureaus may not record ITIN data. Finally, the sources emphasize best credit practices, such as making timely payments, maintaining low credit utilization, and avoiding high-interest pitfalls like payday loans.