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abryant

credit check when applying for h4

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Hello, I am an H1b holder working for the same company for about a year and a half now. I got H1b stamped last October in my home country, and the visa interview took barely 30 seconds. I did my Masters here in USA. I am getting married soon, and would like to bring my wife on H4. My Salary is around 75K, and I have prepared all the documents (tax returns from last 3 years, bank statement from last 6 months, pay stubs from last 6 months, employer's letter). What scares me now is, in past 1 year, both my father and grandfather got sick, and I supported both of them financially. I was literally sending money for their treatment and surgery every month. During that process, I used up a lot of my credit cards for my expenses here. Fortunately, they are both ok now, and we are past all the nightmare. Will the fact that I have a decent job, a decent salary, and valid and transparent documents( pay stubs, bank statement, employer letters, etc) offset my bad credit debt if they were to do a credit check when my wife applies for H4 visa? I can easily clear the debt in one year even while supporting my spouse, but I don't know if the US embassy people will be that considerate? I hate having credit card debt myself, and never really used credit cards without paying full amount, except this year. I would hate to see my wife not get her visa because of this, and this has taken my mind away from the fun things about marriage. Thank you for your help in advance.

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As far as I know my credit was not checked. I did a short sale on my home a few years back and I lost a business, neither had an affect on the process for my husband's visa.

Edited by mimolicious


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The embassy is only concerned about income coming in and should that not be sufficient, additional assets.


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Thank you Miss, both of you. I read my credit report from last year. The embassy made no "hard" credit inquiry when I applied for H1b stamping myself. But I am not 100% if they did a soft inquiry, as part of the background check, between application and interview date. But again, a year ago, my credit was solid with zero debt.

Edited by abryant

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*** Thread moved from Embassy/Consulate forum to Work Visas forum -- topic involves H visas. ***


06-04-2007 = TSC stamps postal return-receipt for I-129f.

06-11-2007 = NOA1 date (unknown to me).

07-20-2007 = Phoned Immigration Officer; got WAC#; where's NOA1?

09-25-2007 = Touch (first-ever).

09-28-2007 = NOA1, 23 days after their 45-day promise to send it (grrrr).

10-20 & 11-14-2007 = Phoned ImmOffs; "still pending."

12-11-2007 = 180 days; file is "between workstations, may be early Jan."; touches 12/11 & 12/12.

12-18-2007 = Call; file is with Division 9 ofcr. (bckgrnd check); e-prompt to shake it; touch.

12-19-2007 = NOA2 by e-mail & web, dated 12-18-07 (187 days; 201 per VJ); in mail 12/24/07.

01-09-2008 = File from USCIS to NVC, 1-4-08; NVC creates file, 1/15/08; to consulate 1/16/08.

01-23-2008 = Consulate gets file; outdated Packet 4 mailed to fiancee 1/27/08; rec'd 3/3/08.

04-29-2008 = Fiancee's 4-min. consular interview, 8:30 a.m.; much evidence brought but not allowed to be presented (consul: "More proof! Second interview! Bring your fiance!").

05-05-2008 = Infuriating $12 call to non-English-speaking consulate appointment-setter.

05-06-2008 = Better $12 call to English-speaker; "joint" interview date 6/30/08 (my selection).

06-30-2008 = Stokes Interrogations w/Ecuadorian (not USC); "wait 2 weeks; we'll mail her."

07-2008 = Daily calls to DOS: "currently processing"; 8/05 = Phoned consulate, got Section Chief; wrote him.

08-07-08 = E-mail from consulate, promising to issue visa "as soon as we get her passport" (on 8/12, per DHL).

08-27-08 = Phoned consulate (they "couldn't find" our file); visa DHL'd 8/28; in hand 9/1; through POE on 10/9 with NO hassles(!).

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