.

Here's the annoying part: my credit score is great, but I have only been in the US for 17 months. My history is thus not "well enough established' that many lenders will "take a chance" on lending me at an interest rate approaching anything reasonable...try 11.95% in this economic climate--no thanks.

Then, on the other hand, I have a friend who was in the US for a month before getting a loan with a pretty good APR. After a month, the credit reporting agencies haven't even had time to start populating your credit history.

Inconsistencies like that annoy me.

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