My wife came here on a K-1 visa. We got married Sept 2015. Her I-94 expired in Nov 2015. She has a SSN with her married name. We started our AOS paperwork in Jan 2016. She just received her EAD card, but our I-485 is still in process. I am trying to get her established in the US by working on her credit, getting IDs, and adding her to my monthly statements. A month ago, I added her as an authorized user to my credit card and confirmed with them that her credit is affected and will slowly build with our payments.
One hurdle I'm currently facing is adding her onto my apartment lease. My landlord told me that they can't add my wife on the lease if she has no history in the US or if the background check fails, they would have to significantly increase my rent if I wanted her on my lease as she'd be a risk.
1) My question is, at what point will my wife "exist" in the system such that they can do a background check? Now that she has an EAD, is she "in" the system yet or do we have to wait until her I-485 is done? (although I think I need her name on my lease for the AOS interview...)
2) Similarly, since I just recently added her to my credit card, at what point will she "have" credit? I'm not asking when she'll have good credit, but rather when will she have a non-zero score? Is it immediately after I signed her up, after a couple monthly payments, or after 6 months or so on?