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I am in the process of naturalization. Hopefully, by next year, i will be a citizen.

I will marry my overstayer boyfriend and have him Adjust his status. I believe he's eligible since he came to US witb a work visa.

My question is: Can we adjust his status if I, the soon to be USC have a really really bad credit history. I mean lowest of the low.

I just started to contact them and make payment arrangements so hopefully it is better in a year. Since my credit is really bad, it needs more than a year to get it fixed. So, will my bad credit hinder us from adjusting his status?


AOS from h2a visa, marriage based.

 

Filed I 130, I 485, I 131 and I 765 concurrently,

 

5/11/2018 Priority date; sent to Missouri, MSCxxxxxxxxx

6/15/2018 Biometrics appointment, Houston TX

7/11/2018 RFE for Birth Certificate

7/23/2018 Sent BC in response to RFE

7/31/2018 Confirmation of receipt of the BC

8/3/2018 received courtesy letter for medical 

8/6/2018 Case is ready to be scheduled for interview

 

I-130 for 2 husband's daughters (my step daughters) 10 and 17

5/11/2018 Priority Date; sent to Nebraska Service Center, LINxxxxxxxxx


Waiting game for ALL cases!

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I don't think credit history itself will be an issue. But if you owe back taxes, you'll have to have those paid or at least show a payment plan is underway when you file the affidavit of support for him.


K1 Visa Process AOS Process

Mar 18 2013: I-129F mailed to CSC Nov 15 2013: I-485 with EAD/AP filed at Chicago Lockbox

Sept 19 2013: Interview - Approved!! Jan 25 2014: EAD/AP Card Received

Oct 6 2013: POE - Chicago O'Hare June 2 2014: Permanent Resident Card Received!

Oct 27 2013: Wedding!

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I don't know the answer to your question, but I do know that having very bad credit won't get either of you very far in your lives together. PLEASE, if you haven't already, check out this resource. It's the consumer credit counseling service, I assume they have one in every state. IT'S FREE, and the people are very helpful. http://www.cccs.net/services/budget-credit-counseling I found one in Dallas for you, but I believe if you call, it doesn't matter where you're calling from (I could be wrong).


"A million years if I could live,
A thousand lives if I could give,
I would spend it all again with you,
Don't forget where you belong,
Only with me you are strong,
Not even the gods above can break,
Baby what we have"

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I don't know the answer to your question, but I do know that having very bad credit won't get either of you very far in your lives together. PLEASE, if you haven't already, check out this resource. It's the consumer credit counseling service, I assume they have one in every state. IT'S FREE, and the people are very helpful. http://www.cccs.net/services/budget-credit-counseling I found one in Dallas for you, but I believe if you call, it doesn't matter where you're calling from (I could be wrong).

As long as it's free I think that it's a good idea. As a former debt collector, I can tell you that most credit counselling services are a bust. Anything that's been charged off to collections can usually be negotiated down to between 50-70% of the original debt (many will drop interest payments). If you are reasonable and explain everything usually the debt collectors will work with you. Yes, some are ruthless, angry people. However, don't be a pushover, speak with them and negotiate. Don't be afraid to ask for a supervisor.

But overall, no. Credit doesn't come into play.

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As long as it's free I think that it's a good idea. As a former debt collector, I can tell you that most credit counselling services are a bust. Anything that's been charged off to collections can usually be negotiated down to between 50-70% of the original debt (many will drop interest payments). If you are reasonable and explain everything usually the debt collectors will work with you. Yes, some are ruthless, angry people. However, don't be a pushover, speak with them and negotiate. Don't be afraid to ask for a supervisor.

But overall, no. Credit doesn't come into play.

"Most" being the keyword. But I've used this service myself, and if you research the service it's incredibly widely used. I would never reach out to someone about it if I even suspected it might be a scam. I truly want to help this person because overcoming bad credit (or like myself, starting with no credit) it can be confusing and I can trust these people will be able to help her.


"A million years if I could live,
A thousand lives if I could give,
I would spend it all again with you,
Don't forget where you belong,
Only with me you are strong,
Not even the gods above can break,
Baby what we have"

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I dont think that would be an issue. Maybe they would just ask for co-sponsors (affidav of support).


N-400 process

03/03/16 Submitted N-400 application and docs
03/09/16 USCIS ackn rcpt (txt, email, and NOA1) and chk cashed
03/29/16 Biometrics (walked in - orig date 04/05/16)
04/04/16 In Line for an Interview (txt, email, and checked case status)

05/16/16 Scheduled for an Interview (Case Status Online)

05/20/16 Received I/L
06/24/16 Interview date (PASSED)
07/20/16 Oath-taking at LACC ( I AM NOW A US CITIZEN!!!)

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I also just found out i have bad credit, i went onto credit karma and found i had 4 bills from two years ago that i didn't receive. I immediately called the collections, and the doctor paid it off and they disputed since they didn't even contact me once about it and i had no idea, and said they have removed it off my credit so hopefully it will be fixed. Welcome to USA! :D

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I dont think that would be an issue. Maybe they would just ask for co-sponsors (affidav of support).

That's what I'm worried about. I'm already in the process of trying to work on my credit but i can't really pay everything in one year. I don't have anybody to Co sponsor with me. I don't have back taxes or anything. I read somewhere that there's a possibility of being denied if i can't 100% support him. When i filed for income tax this year, my annual salary was 30k and i just got a raise but it's still not really enough to pay my debt completely.


AOS from h2a visa, marriage based.

 

Filed I 130, I 485, I 131 and I 765 concurrently,

 

5/11/2018 Priority date; sent to Missouri, MSCxxxxxxxxx

6/15/2018 Biometrics appointment, Houston TX

7/11/2018 RFE for Birth Certificate

7/23/2018 Sent BC in response to RFE

7/31/2018 Confirmation of receipt of the BC

8/3/2018 received courtesy letter for medical 

8/6/2018 Case is ready to be scheduled for interview

 

I-130 for 2 husband's daughters (my step daughters) 10 and 17

5/11/2018 Priority Date; sent to Nebraska Service Center, LINxxxxxxxxx


Waiting game for ALL cases!

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That's what I'm worried about. I'm already in the process of trying to work on my credit but i can't really pay everything in one year. I don't have anybody to Co sponsor with me. I don't have back taxes or anything. I read somewhere that there's a possibility of being denied if i can't 100% support him. When i filed for income tax this year, my annual salary was 30k and i just got a raise but it's still not really enough to pay my debt completely.

What kind of debt are you talking about? They care about public charges

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What kind of debt are you talking about? They care about public charges

4 credit cards; 1 repossesion of car; 1 from att. I got all this in credit karma.


AOS from h2a visa, marriage based.

 

Filed I 130, I 485, I 131 and I 765 concurrently,

 

5/11/2018 Priority date; sent to Missouri, MSCxxxxxxxxx

6/15/2018 Biometrics appointment, Houston TX

7/11/2018 RFE for Birth Certificate

7/23/2018 Sent BC in response to RFE

7/31/2018 Confirmation of receipt of the BC

8/3/2018 received courtesy letter for medical 

8/6/2018 Case is ready to be scheduled for interview

 

I-130 for 2 husband's daughters (my step daughters) 10 and 17

5/11/2018 Priority Date; sent to Nebraska Service Center, LINxxxxxxxxx


Waiting game for ALL cases!

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4 credit cards; 1 repossesion of car; 1 from att. I got all this in credit karma.

damn, lol. I have been reading a lot about credit the past week, I recommend meeting with a credit specialist who can help you build a plan to rebuild your credit. On CK there is a section that says public charges, if there is nothing in there you are ok for USCIS

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damn, lol. I have been reading a lot about credit the past week, I recommend meeting with a credit specialist who can help you build a plan to rebuild your credit. On CK there is a section that says public charges, if there is nothing in there you are ok for USCIS

yeah.. if i could only go back in time and stop 17 year old me from buying everything.

Awesome, thanks for the reply.. I don't have anything on the public charges section..

I will definitely check the website that was replied here..


AOS from h2a visa, marriage based.

 

Filed I 130, I 485, I 131 and I 765 concurrently,

 

5/11/2018 Priority date; sent to Missouri, MSCxxxxxxxxx

6/15/2018 Biometrics appointment, Houston TX

7/11/2018 RFE for Birth Certificate

7/23/2018 Sent BC in response to RFE

7/31/2018 Confirmation of receipt of the BC

8/3/2018 received courtesy letter for medical 

8/6/2018 Case is ready to be scheduled for interview

 

I-130 for 2 husband's daughters (my step daughters) 10 and 17

5/11/2018 Priority Date; sent to Nebraska Service Center, LINxxxxxxxxx


Waiting game for ALL cases!

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I don't know the answer to your question, but I do know that having very bad credit won't get either of you very far in your lives together. PLEASE, if you haven't already, check out this resource. It's the consumer credit counseling service, I assume they have one in every state. IT'S FREE, and the people are very helpful. http://www.cccs.net/services/budget-credit-counseling I found one in Dallas for you, but I believe if you call, it doesn't matter where you're calling from (I could be wrong).

Thank you very much for this website. I will check it out.

I am trying to straighten my history. I hope everything goes well.


AOS from h2a visa, marriage based.

 

Filed I 130, I 485, I 131 and I 765 concurrently,

 

5/11/2018 Priority date; sent to Missouri, MSCxxxxxxxxx

6/15/2018 Biometrics appointment, Houston TX

7/11/2018 RFE for Birth Certificate

7/23/2018 Sent BC in response to RFE

7/31/2018 Confirmation of receipt of the BC

8/3/2018 received courtesy letter for medical 

8/6/2018 Case is ready to be scheduled for interview

 

I-130 for 2 husband's daughters (my step daughters) 10 and 17

5/11/2018 Priority Date; sent to Nebraska Service Center, LINxxxxxxxxx


Waiting game for ALL cases!

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yeah.. if i could only go back in time and stop 17 year old me from buying everything.

Awesome, thanks for the reply.. I don't have anything on the public charges section..

I will definitely check the website that was replied here..

Start with a phone consultation so they can know exactly what you need from them. They even have workshops in my area.


"A million years if I could live,
A thousand lives if I could give,
I would spend it all again with you,
Don't forget where you belong,
Only with me you are strong,
Not even the gods above can break,
Baby what we have"

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If you have outstanding IRS tax due, financial litigation, or convicted fraud charges

(like using bad/stolen checks/credit cards), then it could be a problem.

But otherwise, just bad credit score shouldn't cause too much trouble.

However, are you making enough (around $20,000 a year if its just 2 of you)

to sponsor him?


10-04-2013 We met online
11-21-2013 We met in person in Shanghai for 2 weeks

12-13-2013 I-129F packet sent via express

12-19-2013 USCIS NOA #1 (text and email) received

12-24-2013 USCIS assigns Alien Registration Number
12-31-2013 USCIS NOA #1 hard copy received
06-02-2014 USCIS web site shows NOA #2 approval
06-06-2014 USCIS web site shows case sent to NVC

06-xx-2014 Fiancee acquired birth, marriage, and police certificates from local police station (wrong)

06-16-2014 NVC creates case with GUZ### number

06-19-2014 NVC sends case sent to Guangzhou, China
06-24-2014 Received packet 3 express mail from embassy
06-25-2014 Completed DS-160 and paid K1 visa fee

06-26-2014 Mailed packet 3 response back to Embassy

06-26-2014 Requested police certificate from Russian embassy

07-08-2014 Received packet 4 email from Embassy

07-17-2014 Picked up Russian police certificate

07-25-2014 Fiancee medical exam (received MMR & Varicella, but they missed required TD shot)

07-31-2014 Picked up medical exam reports

08-01-2014 Request (correct) birth, marriage, and police certificates from Notarial Service (GongZhengChu)

08-06-2014 Picked up birth, marriage, and police certificates from Notarial Service

08-14-2014 Passed Interview Guangzhou embassy

09-01-2014 Received passport, visa, & sealed envelope

09-13-2014 POE

09-17-2014 Went to CBP office to get (US entry) I-94 updated correctly

09-18-2014 Applied for Social Security Card
09-19-2014 Applied for Marriage License (via online)
09-25-2014 Received Social Security Card
09-30-2014 Picked up Marriage License
10-09-2014 Marriage by Justice of Peace
10-09-2014 Got Certified Marriage Certificate Copies
10-17-2014 Received a letter from SS office that they need the marriage license
10-09-2014 Applied to change the social security card name
10-24-2014 Went back to SS office to provide the marriage certificate documents again!!!
12-09-2014 Submitted AOS, EAD, and AP
12-16-2014 Received 16 emails and 16 text NOA messages
01-05-2015 Received Biometrics appointment letter for (01-12-2015)
01-12-2015 Had Biometrics (fingerprint & picture) - Required Marriage Certificate!!!
02-17-2015 EAD and AP is approved
02-23-2015 Received AP is approval letter
02-25-2015 Received EAD/AP combo card (expires 02/16/2016)
02-27-2015 Applied for SS card name change (they took her SS card)
02-27-2015 Driver's learner permit test was denied since the SS card was given to SS office for name change
03-17-2015 Received SS card with married name
03-17-2015 Started to change all her accounts to married name
03-23-2015 Received potential interview waiver letter
03-27-2015 DMV rejects learner's permit due to "legal status=pending" and vision test failure
04-05-2015 Vision test for learner's permit
04-06-2015 DPS sent us letter that DHS cleared my wife's status to acquire driver's license.
04-10-2015 Passed Driver Learner's Permit
04-22-2015 Received Driver Learner's Permit ID card (expires 02/16/2016)
08-27-2015 Green Card approved
08-31-2015 Received Green Card "Welcome Notice Was Mailed" letter
09-05-2015 Received Green card
10-26-2015 Passed Driver's License Road Test (on 3rd attempt)
11-03-2015 Received Driver's License (expires 02/16/2022)
11-06-2015 Applied to remove conditional work remark on SS card
11-23-2015 Received updated Social Security Card.
- - - - - - - - - - Pending Future Processing - - - - - - - - - -
05-27-2017 File 10 Year Green Card
08-27-2017 2 Year Green Card Expires
05-27-2018 File USC

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