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Hello everyone, I am living in Canada and my spouse is in the US. She is sponsoring me and our case is currently with NVC and by the looks of it, I will not be in the US for another 8+ months or so (hoping for it to be sooner of course, but it's looking quite unlikely). I saw a thread about tips and tricks for building a credit score in the US but, I'm not sure if I saw anything that relates to my current situation. Because I won't be living and working in the US for at least 8 months and I won't have a SSN until then, how can my wife and I get a joint credit card to start building our credit score in the meantime? Is this even possible considering I don't have a US SSN? Is opening a US credit card even possible let alone building credit? I don't have a US bank account either and I'm not sure if that is required. My wife of course does have a bank account and has great credit. Would love any info that can be provided! Thank you
My wife is the beneficiary, adjusting from K1, she has a SNN, AOS package already sent but we are responding to our I-944 RFIE. My wife doesn’t have a credit card and neither do I, we both are debt free. She has a SSN with her maiden name on it. It’s been roughly 13 months since she entered on her K1. We had tried months ago to check her credit online and nothing came up, so we tried endlessly to get one of the three major credit agencies to mail us a letter stating that she doesn’t have a report and they misspelled her common first name 4 times in a row. The 5th time, TransUnion finally sent us a letter with the right name, but upon closer inspection it is not a letter stating that she does not have a credit report, rather a letter that appears to be... a WEIRD credit report.. it shows her full married name at the top with her personal info, then under that it shows account review inquiries where we had tried to view her credit report months ago on different occasions to get them to send us a letter. Then under that, it says “special messages” and says “FILE SSN LIKELY NOT ISSUED PRIOR TO JUNE 2011”. The rest is just TransUnion’s contact info. My probably stupid question to you guys is, is this considered a credit report? It has no credit score or other information except for info on prior times we tried to find her credit report. When we try finding her credit report on Experian and Equifax, they both give error messages saying that her credit report cannot be found. Should we include these and claim she has no credit report, or DOES she have a credit report and it’s just completely blank? When we look on the TransUnion website her “report” is literally a blank drop down menu with nothing on it. Is this a glitch or a weird blank credit report? Thanks so much, any advice on this topic is much appreciated.