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Found 3 results

  1. Hey everyone, Hope everyone is safe and well. So I recently moved to the USA on a K1 visa a month ago, and I am currently sorting out paper work for the AOS, so in other words the i-485, i-944 and other required forms to submit. For part 3 of the I-944, it asks: 11. Do you have a U.S. credit report? 12. Do you have a U.S. credit score? I've gone online and called Annual Credit Score, Equifax, Experian, and TransUnion (over 2 hours on hold!) to try to receive a credit score/report, but they require a Social Security Number (SSN). Unfortunately, I don't have a SSN and the SSA offices closed the day after I arrived - so I am unable to obtain one. I do have a credit card here as an authorized user of my wife's account, so I will start to build up a credit history, though it may be too recent to show up anyway. TDLR; Basically, does anyone have any suggestions on how to display evidence for the I-944 of not being able to obtain a credit report? I saw a similar post to this (click here), and feel we aren't the only ones in this situation. The best we've been able to think of is screenshots of websites of errors on credit reporters when applying, and the closure of SSA offices - and/or providing a notarized affidavit explaining the situation (but this may be tricky, given the need for witnesses and evidence). I even asked the credit reporters about being to provide a letter on their behalf, to state that I am unable to get a credit report. The best I got was a 'shaky maybe' from Equifax, if I write to them with evidence of identification - but this won't come for approximately 30 working days. Ideally though, we want to be sending the AOS forms off ASAP, and want to make this application 'watertight'. Any thoughts and help would be much appreciated - thanks!
  2. Hello, good people! We were about to file AoS for my wife back in early February but turns out only a computerized birth certificate is allowed from her country to file for any immigration visas. This delayed our process long enough for the new i-944 requirements to take effect, and then lockdowns happened across the world, and now here we are trying to decipher what is acceptable. I hope y'all will be able to answer some questions/doubts. New to all this and appreciate any insight. Quick info about her (beneficiary): - graduated med school in her country in 2019 (never been employed) - studying to take medical licensing exams here, which have been delayed due to Covid-19 - has visited the US in 2019 to do two clinical electives - has a valid B1/B2 visa that expires mid-2021, but just entered the "overstay" category in June 2020 - no SSN or ITIN - no name on any lease/car insurance/utility bill - no credit card or credit score - unfortunately, we also did not renew her travel insurance which expired in March Quick info about me (USC): - make between $40k - $50k at a non-profit (above 125% FPG in 2019 Tax Return, and above 250% in the new career in 2020) - bachelor's degree - less than $25k student loans, $6k credit card debt - no health insurance (employer-offered plan was too expensive). Marketplace will not open till November ☹️ - credit score: good (700+) Questions: Is it possible to add her to anything (lease/bank account/utility bill/credit card) without having SSN or ITIN? Have any of y'all had success with getting a "no credit score report" without SSN/ITIN? Should I get private health insurance for both of us ASAP? Will $6k credit card debt and a not-so-great checking account be a negative factor? Would I have to show a healthy bank account and hence get financial deposit help from my family till the green card is approved? Is switching jobs seen as negative? If I find a better employment opportunity, should I jump on it or would it be seen as unstable? Is there any advantage to filing the forms concurrently versus sending them at different times? Will I-131 (Advance Parole) add an extra $575, and I-765 (Employment Authorization) add an extra $410 to the cost of Adjustment of Status application? If she has given the TOEFL in 2012 and all her education has been where official language of instruction is English, does she need to still prove her English proficiency? Do we need to get her British-education high school diploma and Asian-education medical school degree evaluated? P.S if anyone knows a company in Texas that does not take away half my income in private health insurance, please recommend! 😅
  3. Hi all! I came here on K1, been married since October, and now thinking about establishing myself financially as early and as quickly as possible. So I'm posting here to get tips from you guys: what are the best ways for me to build my credit, considering I cannot work yet (pending EAD) and might not have to work in the future anyways? (such is my arrangement with my husband) I did a bit of research and the first things (also the easiest) that came up are 1) Get a secured credit card; and 2) Get my name onto my husband's bank account as an authorized user (not sure how this works in the technical sense). I'm not exactly finance-savvy so I was hoping you guys could give me your two cents worth, if you be so kind. Also, if anyone here has been in my situation, perhaps you could share your experience and takeaways. Thanks in advance and everyone stay safe and healthy in these times of uncertainty. ❤️ - Del
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