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epsonderby

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    Credit History question

    in Moving to the US and Your New Life In America

    Posted

    It means that your application for a C.C. was declined because the company you applied could not find your credit report in any of the 3 credit bureaus. Hence it has no information about your credit worthiness (i.e. how dangerous is it to issue you a C.C.) and naturally your application gets declined.There may be two reasons for this:

    1. You don't have credit history yet.
    2. There is an error in the details you've provided.
    3. There is an error in your credit report and therefore it is not associated with you or your credit application.

    Do you have credit history? Did you ever pull your credit report? Do you know if you have one? If you've never pulled your credit report - I'd start there and try to find errors in respect to your identity.if you try and find out that you don't have a credit report, or that you know for sure that you don't - than it's time to start building credit history because until you do - you will never get approved.Two great ways to start building credit history are a secured credit card or a department store credit card.You should not have problem being approved for both even w/o credit history.Sears C.C. is an excellent choice because it reports to all three credit bureaus, so that you will have recorded credit history at all 3 credit bureaus. I'd wait at least 6 months before applying again.

    Thanks for the information. I just checked the three bureaus online and whilst I have no negative reporting, I don't have any positive reporting either.

    I would look into Sears but they recently left our town so it wouldn't be any good for me. Thank you for the suggestion all the same.

    You will need to apply for this card: http://www.capitalone.com/credit-cards/secured-mastercard/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALCTMMQC4S&PageName=Credit+Cards+Browse&PortletLocation=4%3B4-12-col%3B2-1&ComponentName=browseTable&ContentElement=57%3BSecured+MasterCard%3Csup%3E%26reg%3B%3C%2Fsup%3E&TargetLob=MTS%3A%3ALCTMMQC4S&TargetPageName=Secured+MasterCard+Details It's a secured card where you pay a set amount. i started with a $49 deposit to get a $200 limit. After a couple of month my score was in the high 600's, and a few more 700's. Just recently i was approved for a non-secured card with a decent amount, and I also applied for another card with a lower amount. Neither of those cards have annual fees so are good cards to have. The lower one is in a drawer "just in case". The other one we use and then pay off to show rotating credit. Irritating to do but it's working well on my score :D

    That's good to know. Would it be ok for me to go ahead and apply for the secured card in the next few days? or should I wait a little while?

    I'm just keen to build my credit so we can think about buying a place of our own in the not too distant future!

    Credit History question

    in Moving to the US and Your New Life In America

    Posted

    I applied for the 'Newcomers' credit card with Capital One a week ago today and was declined. I didn't think anything of it at the time, I just assumed that as I hadn't been working long and I had only recently received my GC I would need to maybe wait a little longer.

    The rejection letter arrived in the mail this morning and was the usual stuff about not being able to offer credit at this time. What caught my attentions were the reasons:

    - Based on the credit report from Equifax for <my name>, credit bureau information is missing or unavailable.

    - Based on the credit report from Experian for <my name>, credit bureau information is missing or unavailable.

    - Based on the credit report from Trans Union for <my name>, credit bureau information is missing or unavailable.

    How do I go about fixing this? Is it possible to just call each bureau up and make sure they have me in their system and then advise Capital One of that, or do I need to wait a little while for my details to update with the bureaus?

    The reason I applied for the card was to build credit as I have no credit presence here in the US, but it seems like that is the very thing that Capital One are penalizing me for when my understanding was that the very card they offer to newcomers helps to get around this lack of US credit history.

    Any suggestions on how to proceed initially? and also down the line. Should I be looking to get a cell plan in my name or maybe pick up the cable or internet bill where I'm living right now (with FIL). I currently have a checking/savings account with BoA and a checking/savings account with my company's FCU. Are secured credit cards a good way to proceed?

    Thanks in advance for anybody that stops by and lends a hand!!

    Husband US Citizen and Wife British Citizen

    in IR-1 / CR-1 Spouse Visa Process & Procedures

    Posted

    I had my divorce finalised about 2 months before marrying and it wasn't even mentioned by USCIS. I was separated for 2 years before the divorce was finalized. I did write a letter when we filed explaining the divorce and marriage being close together. I saw it in my package as the officer flipped through, but he didn't even stop on it.

    I think you should be ok, but one can never be 100% sure.

    August 2012 AOS Filers

    in Adjustment of Status Case Filing and Progress Reports

    Posted

    I got my welcome to USA letter last friday and got my GC today.

    Maybe they can call the USCIS number and asked for the FBI background check they did on you?

    I'm following up on applications...

    I did suggest to them that I would not have been approved for my GC without an extensive background check performed by the FBI and Interpol, however it fell on deaf ears. They have assured me it will all be completed this week. They're just waiting on the UK now.

    Planned marriage then a surprise

    in Adjustment of Status from Work, Student, & Tourist Visas

    Posted · Edited by epsonderby

    I don't think you'll have any issues at all with adjusting status in the US now that you're married. I'm from England and came to visit on the VWP in May and we got married before I was supposed to leave so we sent all the paperwork in and I was approved the other week with my Green Card on the way.

    I followed this guide: Adjusting from VWP and asked questions when I wasn't sure of something. Some will tell you that you shouldn't do it, or that you'll be viewed negatively for doing it. Not true in 99.9% of cases. Some people just have issues with other people having access to visa-free travel.

    Good luck and ask questions if you're not sure :)

    Hobbies for Couples

    in Off Topic

    Posted

    We're going to try some things from MAKE magazine: MAKE magazine

    Other than that, we tend to go to local historical places, try new restaurants, take turnings off roads and see where they go, play badminton, chuck the football around and build LEGO (mainly Star Wars, Harry Potter and Monsters right now).

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