Hello friends, I've been living in US as a GC (through dv) holder for about year and half and I never care about my credit history as i was just working and living with that money ,never took credit cards or loan before  .Now bcoz  of some family reason i want to take around max 10,000 dollar personal loan from banks or any credit union .So without good credit score and all how can i get personal loan ..please advise me some information about it as some of you do have experiences /knowledge regarding this. tx