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Rekyrts

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Everything posted by Rekyrts

  1. That's wild. Really unusual I'd say...
  2. Typically, the answers won’t change immediately. For example, President Biden will be president till January. Your senators and reps will still be in office 2 days after the election, regardless of the result.
  3. An app person myself... got two that I liked, paid to support the developer (which also unlocked some helpful features, like auto-populating the state-specific answers based on location/zip). The apps helped a great deal.
  4. Congrats! You put a rush on the Passport?
  5. Agreed. If I were to choose, I'd pick GP.
  6. Yep, good IOS at the office. It's the wait for oath that tends to be long, because they only offer judicial ceremonies via the courts.
  7. I agree. The mere thought of someone getting naturalized in error make me shiver.
  8. It is actually relatively easy to reschedule the N400 interview. The process is outlined in current-era interview letters. But I do agree wholehertedly with your underlying point: with USCIS, bird in hand is worth TEN in the bush. If it were me, I'd work around the scheduled dates as much as possible versus throwing surety back into the wind by rescheduling. Life happens, but I would not increase my time with USCIS if I didn't have to.
  9. Depends on the FO. Some do admin, some do all judicial. Search for yours here to get an idea of what your specific FO.
  10. Congrats. I'd still treat it as a combo interview up until.
  11. Depends on the FO. Some so, some do not.
  12. As noted, not too irregular. I know waiting can be a pain though; hope you folks see some positive movement soon!
  13. That's a toughie... they think she committed fraud or misrepresented something. Do you know what exactly they are referencing?
  14. I don't think that is necessary.
  15. It's a great way to start to responsibly give kids a good start too. Some cards allow you to add your kids when they are 14, which gives them 4 years of AU credit history when they turn 18. They don't even have to have the cards in their possession. Banks do know to filter for AU-boosted scores in their decisioning, but adding someone as an AU helps them establish credit; do make sure the account(s) they are being added to are positive tradelines, because they inherit the good and bad (if any).
  16. Great advice... @Scandi, I couldn't agree more with you and @OldUser. Credit is so important, especially for newbies to the country, and not enough is said about it. it is something I am very passionate about. My generation is the one that sold its creditworthiness for a few T-shirts on campus! My advice is for immigrants to take the same amount of time they use to learn about immigration to learn about credit. Building and maintaining good credit saves a LOT. Also, some creditors are better than others, and it pays to be as picky as you can be. Also, do NOT lie on credit applications, especially about status. Several companies provide preapprovals, which, while not 100% guarantees, come pretty close: Amex, Capital One, Discover etc. Using credit cards should not equate to carrying debt, and savvy use can actually make you money by way of Cashback and points. If one is tempted to spend more than they have, it's better to use a debit card or cash IMHO. Teaching my kids about the importance of credit is one of the ways I hope to influence them in the long run.
  17. It takes a while for a credit report to be generated, and for that to happen, one needs a few accounts reporting to one's file. So, for immigrants, one of the best ways to do that is to become an AU on, say, established spouse's accounts. Opening up an account at a local bank (credit unions are great) and then following up with a secured credit card are great intro steps to jumpstarting one's credit file. Opening up the account allows the bank to have your SS#, and then there shouldn't be too much of an issue with them then reporting the secured account to the bureaus. Once that happens, one can find other creditors. Of course, this is all moot if one cannot budget and use credit in a responsible manner (i.e paying off statement balance to zero monthly).
  18. Great info... one slight correction: the Chase 5/24 rule applies to new accounts opened, not inquiries. Indeed, it is very nuanced. Amex can be generous, CapOne is a tri-puller, Synchrony is bi-polar... good to know what lenders do what. Credit literacy is so key for immigrants... and, really, Americans as a whole. Re: the early question, creditworthiness is a bit more than a score. For example, a 750 with a thick file (several years of diverse credit with responsible usage) and good income beats, say, a 780 with a thin file (few accounts) and low income. And how can someone with with a thin file get a high score? Not too hard, and it does apply to immigrants... having a new spouse or child added as an AU to an established account allows them to legally develop a credit history.
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