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DaveNot

Credit building

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Just a quick question regarding good and bad credit scores. I entered on a k1 got married in the process of filing AOS. I want to establish good credit history here in the USA. I heard one way of doing so, is asking your partner to have a joint account showing joint incomes, banks (both names showing), bills (both names), personal bills and so forth. All of which have in common a shared account/names.

I have one concern. Can my partners bad credit history affect my own if sharing accounts and responsabilities and such? I don't currently have a credit history, so I am trying to make a good one.

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Just a quick question regarding good and bad credit scores. I entered on a k1 got married in the process of filing AOS. I want to establish good credit history here in the USA. I heard one way of doing so, is asking your partner to have a joint account showing joint incomes, banks (both names showing), bills (both names), personal bills and so forth. All of which have in common a shared account/names.

I have one concern. Can my partners bad credit history affect my own if sharing accounts and responsabilities and such? I don't currently have a credit history, so I am trying to make a good one.

One simple way is to get a secured credit card from your bank. Charge stuff on there but pay the balance in full at the end of the month. Edited by ascertainLovE

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A secured card is the way to go when first starting out.

Several lenders offer secured credit cards, including Capital One, Merrick, and many others.


Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

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I was offered unsecured recently and not tied with anything that I cannot cancel. Student benefits, I guess. It still is pending, but I'll follow the secured version if this gets turned down. Also, opened a joint account which helps, so i was told at wells fargo.

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Joint account holder's bad credit will affect you negatively if using the partner's SSN to open a joint bank or as co-signor on a credit account. You could be denied or get credit on unfavorable terms, ie high interest rates.

Car loans, credit cards, cell phone bills, and some utility bills are tied to your credit, and timely payments on those are reported to credit bureaus and help build credit. .

An unsecured card\account, is an excellent way to build credit.. provided you use it wisely. Most important, make payments ON time. A single missed payment can hurt your credit.


USCIS

January 16, 2015 I-130 Mailed, Chi lockbox January 20, 2015 Priority Date, January 21, 2015 NOA1 notice date, Assigned VSC, January 23, 2015 Check Cashed, electronically March 5, 2015 NOA2

NVC

March 27, 2015 NVC received April 6, 2015 Case#, IIN# assigned April 8, 2015 Paid AOS + IV fee Invoices May 5, 2015 AOS + IV package submitted May 11, 2015 Scan Date

June 11, 2015 DS-260 submitted June 25, 2015 False checklist (for ds260).. hello? June 30, 2015 Answered checklist Aug 5, 2015 Escalated to Supervisor review Aug 13, 2015 Case Complete

Consular

Sept 10, 2015 Interview Scheduled Sept 11, 2015 P4 Letter received Sept 21, 2015 file In transit from NVC Sept 23, 2015 file at Embassy

Sept 28, 2015 Medical Oct 14, 2015 Biometrics Oct 15, 2015 Interview (Approved) Oct 19, 2015 IV visa Issued Oct 23, 2015 Passport Pickup

POE

Nov 2, 2015 Entered the US Nov 16, 2015 Applied for SSN, walk-in Nov 20, 2015 Social Security Card recd Jan 15, 2016 GC received

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