<prompt> Human: Ill be relocating from the UK to the USA in a little under three years. Will my credit score transfer over at all, seeing as Im coming from another western country? Or will I be starting from scratch? If I am indeed going to be starting from scratch, whats the most efficient yet frugal way to do this? I would like to buy a home shortly after relocation, though it is likely Ill need a mortgage to do so. Will I be doomed to crappy rates if I dont have an established credit history there? Would a large deposit mitigate this or not make a difference?  <response>: Two different credit systems. You start over. 