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LexandAra

establish credit for new comers to USA

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Filed: AOS (pnd) Country: Mexico
Timeline

Before i get my post moved or deleted, take in mind this is a k1 topic issue...

Anyone have any tips or experiences on establish credit for new comers?

Are there any banks, retail stores that opened an account for new comers?

My fiancee is coming soon and although we dont need money, i would like for her to start a credit history.

Any advice from people going through this process?

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Filed: Citizen (apr) Country: Wales
Timeline

There's quite a few people who have posted in the Moving Here and Your New Life in America subforum where this topic would be better placed.

Also, you need to update your timeline. Texas service center does not process K1 petitions, you'll be in either Vermont or California. EAC is Vermont, and WAC is California on your receipt number.

Thanks!

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Filed: K-3 Visa Country: United Kingdom
Timeline

A great way to establish credit is getting your partner's

name added to basic every day utilities, ie Electricity,

Cable TV, Gas, Water, Phone, Rent, etc. Good luck! :star:


I-130

2011-08-20 Posted

2011-08-31 NOA1

2011-09-03 Touch

2011-11-18 Sent Expedite Request to USCIS

2011-12-09 Response Received for Exepedite Request

"Wait your turn" in a nutshell

2011-12-02 Sent Expedite Request to US Representative Ed Royce

2012-01-27 Sent Expedite Request to Immigration Ombudsman

2012-02-02 Sent Expedite Request to Senator Barbara Boxer

2012-02-02 Sent Expedite Request to Senator Dianne Feinstein

2012-03-08 Case transferred to field office for additional processing

2012-03-23 Now being processed at a USCIS office

2012-05-10 Transferred to another office for processing

2012-05-14 Now being processed at a USCIS office

2012-06-05 Approved NOA2

2012-07-17 NVC Case/Invoice # Received

Petitioner: US Born Citizen (Wife)

Beneficiary: British Born Citizen (Husband)

Your I-130 was approved in 279 days from your NOA1 date

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Filed: Citizen (apr) Country: Canada
Timeline

Not a k-1 progress report or case filing or question. - moved to " moving here and your new life in america " as this is part of starting a life in america.


-------------------------------------------- as1cE-a0g410010MjgybHN8MDA5Njk4c3xNYXJyaWVkIGZvcg.gif

Your I-129f was approved in 5 days from your NOA1 date.

Your interview took 67 days from your I-129F NOA1 date.

AOS was approved in 2 months and 8 days without interview.

ROC was approved in 3 months and 2 days without interview.

I am a Citizen of the United States of America. 04/16/13

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Filed: AOS (pnd) Country: Romania
Timeline

I'd like to know more myself.



USCIS [*] 22 Nov. 2011 - I-129 package sent; [*] 25 Nov. 2011 - Package delivered; [*] 25 Nov. 2011 - NOA1/petition received and routed to the California Service Center; [*] 30 Nov. 2011 - Touched/confirmation though text message and email; [*] 03 Dec. 2011 - Hard copy received; [*]24 April 2012 - NOA2 (no RFEs)/text message/email/USCIS account updated; [*] 27 April 2012 - NOA2 hard copy received.

NVC [*] 14 May 2012 - Petition received by NVC ; [*] 16 May 2012 - Petition left NVC.

EMBASSY [*] 18 May 2012 - Petition arrived at the US Embassy in Bucharest; [*] 22 May 2012 - Package 3 received; [*] 24 May 2012 - Package sent to the consulate, interview date set; [*] 14 June 2012 - Interview date, approved.

POE [*] 04 July 2012 - Minneapolis/St.Paul. [*] 16 September 2012 - Wedding Day!

AOS/EAD/AP [*] 04 February 2013 - AOS/EAD/AP package sent; [*] 07 February 2013 - AOS/EAD/AP package delivered; [*] 12 February 2013 - NOA1 text messages/emails; [*] 16 February 2013 - NOA1 received in the regular mail; [*] 28 February 2013 - Biometrics letter received (appointment date, March 8th); [*] 04 March 2013 - Biometrics walk-in completed (9 out of 10 fingerprints taken, pinky would not give in); [*] 04 April 2013 - EAD/AP card approved; [*] 11 April 2013 - Combo card sent/tracking number obtained; [*] 15 April 2013 - Card delivered.

[*] 15 May 2013 - Moved from MN to LA; [*] 17 May 2013 - Applied for a new SS card/filed an AR-11 online (unsuccessfully), therefore called and spoke to a Tier 2 and changed the address; [*] 22 May 2013 - Address updated on My Case Status (finally can see the case numbers online); [*] 28 May 2013 - Letter received in the mail confirming the change of address; [*] 31 July 2013 - Went to Romania; [*] 12 September 2013 - returned to the US using the AP, POE Houston, everything went smoothly; [*] 20 September 2013 - Spoke to a Tier2 and put in a service request; [*] 23 September 2013 - Got "Possible Interview Waiver" letter (originally sent on August, 29th to my old address, returned and re-routed to my current address); [*] 1 October 2013 - Started a new job.

event.png

Trying to get the word out about our struggles:

http://voices.yahoo.com/almost-legal-citizen-but-not-quite-12155565.html?cat=9

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Filed: K-1 Visa Country: Isle of Man
Timeline

Get your fiancee a social security number and figure out what legal name she will have after you marry.

Then call customer service on your oldest card and add her as an authorized user.

Like magic your fiancee will have a long history of on-time payments dating back to the first month you opened that card.

My wife's credit traces back to late 2007 even though she had NO CREDIT in 2009.

My brother's credit goes back to the mid 80s even though he was only 5 years old in 1990!


India, gun buyback and steamroll.

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Filed: K-1 Visa Country: United Kingdom
Timeline

Before i get my post moved or deleted, take in mind this is a k1 topic issue...

Anyone have any tips or experiences on establish credit for new comers?

Are there any banks, retail stores that opened an account for new comers?

My fiancee is coming soon and although we dont need money, i would like for her to start a credit history.

Any advice from people going through this process?

Add her as an authorized user on your credit cards.


Our K-1 Visa Journey

1/17/12: Mailed Original I129F packet via USPS with signature confirmation to Dallas Lockbox

1/19/12: Packet received at Dallas Lockbox

1/24/12: Received text message notification at 12:47am central time stating packet was received and our case number

1/24/12: Received E-Notification in email that I129F packet was being sent to VSC for initial review

1/27/12: Received NOA1 in US mail

7/12/12: Received text notification at 3:45pm central time stating our case had been updated *APPROVED!*

7/15/12?: Received NOA2 in US mail (not sure of this date)

7/20/12: NVC forwarded case to London Embassy

7/27/12: Fiance received letter from London Embassy stating they'd received our case and instructions for obtaining interview

7/30/12: Fiance mailed DS 156, DS 156K, DS 230, DS 157, DS 2001 to London Embassy

8/20/12: Medical

8/31/12: Called DOS and was told interview date: 10/3/12

9/3/12: Sent email to London Embassy requesting interview date be changed

9/5/12: Received response from London Embassy (via email) stating interview date had been changed to 9/10/12

9/7/12: Received new letter from London Embassy with new interview date & time

9/17/12: Received Visa in the mail

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Filed: Citizen (apr) Country: Australia
Timeline

Your fiancee can apply for a secure credit card. It is only to the amount you use to secure it.

bolded portion is incorrect. This is the CC I got: http://www.capitalone.com/creditcards/mastercard-secured-credit-card/r/?linkid=WWW_1010_CARD_TGUNS11_CCBRWPOP_C3_36_T_CP35616RW I paid $49 for a $200 balance. Got the card in August 2011 and my credit score is over 700. I pay if off on time so the high interest rate isn't an issue. Try not to max it out. Credit score depend on the amount of credit you have, compared to the amount you've used. When I have money owing on my CC my credit score drops by a couple of points, then goes back up when I pay it off.

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Filed: Citizen (apr) Country: Australia
Timeline
Are there any banks, retail stores that opened an account for new comers?

I tried Kohls but with no credit history they wouldn't permit. My husband doesn't believe in CC's so he's never had one and so there was no piggy backing for me.

Electric bills etc aren't worth anything. Some companies maybe. phone bills maybe but it meant starting a new contract. I personally recommend this card: http://www.capitalone.com/creditcards/mastercard-secured-credit-card/r/?linkid=WWW_1010_CARD_TGUNS11_CCBRWPOP_C3_36_T_CP35616RW it's cheap (in the grand scheme) and in no time she'll have a good score and can start getting other cards like a Kohls or Walmart store card to help build even more. I've considered getting a kohl's card now my score is higher because they use household income and not individual (good for house wives :D).

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Filed: IR-1/CR-1 Visa Country: Greece
Timeline

Add your spouse to utilities and onto your Credit card's as an authorized user. At some point get them their own secure credit card. Also a few pro-tips if you want to get their credit up in order to get a mortgage or car loan, from my sister-in-law who works for a mortgage lender. Don't ever at any point have more than 40% of the available credit used(ex. $1000 card, no more than $400 on it). If your bill is due on the 30th of each month pay it between the 24th and 28th, but do not pay off the entire amount, leave between 25 and 29 dollars on it and then pay that off on the 1st if you want. When I was going for a mortgage after my previous marriage, I was able to jump my score up within 3 months using these tips/tricks.


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Before i get my post moved or deleted, take in mind this is a k1 topic issue...

Anyone have any tips or experiences on establish credit for new comers?

Are there any banks, retail stores that opened an account for new comers?

My fiancee is coming soon and although we dont need money, i would like for her to start a credit history.

Any advice from people going through this process?

The sooner you get a SSN in the 'system' the faster you will start building that history. Additionally, What I did, was to request CCs in her name since about the time I filed the paperwork for the K1, and would use that card from time to time. Upon arrival, bank accounts (joint).

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Filed: Country: Poland
Timeline

A great way to establish credit is getting your partner's

name added to basic every day utilities, ie Electricity,

Cable TV, Gas, Water, Phone, Rent, etc. Good luck! :star:

Utilities do not report accounts in good standing to credit bureaus.

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Utilities do not report accounts in good standing to credit bureaus.

This is 100% true. I waited around for my husband to populate a score from utilities, etc, and I found out late that doesn't work at all.

Get a credit card - either a secure card or one for new immigrants.


AOS for my husband
8/17/10: INTERVIEW DAY (day 123) APPROVED!!

ROC:
5/23/12: Sent out package
2/06/13: APPROVED!

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