How Credit Score Works in USA (Beginner Friendly Guide)

Abhinav Kumar is an engineering graduate and former H-1B visa holder who spent several years living and working in the United States. During that period, he went through the H-1B lottery process, experienced the visa stamping process at a US consulate, navigated an employer transition under H-1B portability rules, and began understanding the long-term realities of employment-based immigration — including the green card backlog that affects hundreds of thousands of Indian nationals. When he returned to India, he found that the information available to Indian professionals preparing for the US immigration journey was either too generic, too outdated, or buried in legal language that required a law degree to parse. That gap became the reason he started writing. His work focuses on US immigration policy and personal finance for Indian immigrants — covering H-1B lottery mechanics, visa stamping procedures, USCIS policy updates, and financial fundamentals like building US credit, opening a first bank account, and understanding retirement accounts. Every article is grounded in primary sources: USCIS policy manuals, State Department guidance, Department of Labor wage data, IRS publications, and Federal Register rule changes. His writing has been published on finance and immigration platforms, and he actively answers questions from Indian professionals on Quora, where his responses on H-1B processes and US financial basics have helped thousands of readers. Abhinav holds an engineering degree from an Indian university. He is not a licensed immigration attorney or financial advisor. The content he publishes at USAHarmony reflects his own firsthand experience and in-depth independent research — and every article carries a clear disclaimer encouraging readers to consult qualified professionals before making decisions specific to their situation. For questions, corrections, or feedback on any article, he can be reached through the USAHarmony contact page.