Background & Credit

[cmoore25 4]

I recently read a post on here about a man's visa petition being denied because of filing bankruptcy. And I know I have asked about background checks and credit before - but his post made me worry!!

So, my question is, do they do a credit check in your background check? My credit is not awful - but it's not 100% amazing either. I have recently finished a debt consolidation program due to debt accrued in college. Will this be a reason for a denial of the K1 petition?

Thanks for the information!! According to the VJ timeline I am only a few days away from being in the time range for an approval - so I'm paranoid about everything the closer it gets to a possible approval/denial/NOA2

[JimVaPhuong 4,863]

I recently read a post on here about a man's visa petition being denied because of filing bankruptcy. And I know I have asked about background checks and credit before - but his post made me worry!!

So, my question is, do they do a credit check in your background check? My credit is not awful - but it's not 100% amazing either. I have recently finished a debt consolidation program due to debt accrued in college. Will this be a reason for a denial of the K1 petition?

Thanks for the information!! According to the VJ timeline I am only a few days away from being in the time range for an approval - so I'm paranoid about everything the closer it gets to a possible approval/denial/NOA2

A visa petition would never be denied for a bankruptcy, though it's possible a visa could be denied because of it. It depends on how thorough the consulate is when they conduct their checks. I've never heard of them pulling a credit report, but I have heard of them getting a background report from Lexis Nexis. A bankruptcy would show up in a Lexis Nexis report, which is probably where the consulate got the information in the other case you're referring to.

The sort of things that show up in a Lexis Nexis report are criminal history, education, motor vehicle records, property ownership records, insurance claims records, business records and licenses, and bankruptcies. Consulates in high fraud countries sometimes use information from the report to grill the beneficiary at the interview. For example, they might ask how long the US citizen fiance has owned their home, or what sort of business the US citizen fiance owns. With the report, they'll know whether or not the beneficiary's answer is correct.

[cmoore25 4]

Okay, great, thank you!! That gives me peace of mind for the NOA2!!!

The closer it gets the harder it is to wait and not think about every possible reason to get an RFE or denial! I need to chill out!!!

And yes, now that you mention it, I think it was the visa not the petition!