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Thank you. Can you make any comment regarding how credit is then established in Finland? In other words, as I establish a bank account and acquire a credit card in Finland and stay in good standing with on- time payments, etc, is credit built upon this history starting when I arrive? I presume that if I ever sought to obtain a loan to purchase a house, a bank or creditor in Finland would likely want to use my US social security # XXXXX order to verify my credit history a bit further in the past. I understand that Experian credit rating is used in Finland. If I understand your answer, it sounds as if the mortgage default in the US will not impact me at all in Finland especially if I do not plan to buy a home right away in Finland. Is this correct?