RFE confused. SOS help!

[Derby dog 9]

I cant see how they lost your documents.. But if you say so..

Get a power of attorney for financial and one for medical.

Add your wife to the insurance for that car you own? List her as a driver

Get a secondary credit card. You can request another card with her name on it. It is not adding her to your account, or lowering your score as she won't be on the account, its just another authorized card on your account.

Call your electric company and ask to change address. Then give them both your names it should be addressed to. Again, its not adding her to the account, its just a title on the bill.

Do you have a phone plan together?

[lasko12 9]

I wanna correct the item b. Simply adding someone to your credit card account doesn't bring your score down. That is just authorizing another person to use it and the responsibility is still on your side and also the score is your own (isn't affect by your wife's score at all. If her score increases, that doesn't bring up yours and opposite). The banks just simply duplicate the cards with the same numbers (most of the times).

If you wanna verify what I say, just go to a bank and talk to a personal banker.

We were on a trip overseas and we just came back home to find out that we have recently received an RFE on our I-751 Petition. Now we have to gather everything in less than a 12 days time...

Let me tell you, that we found out that not only they 've lost critical documents of ours, but on top of that (if not BECAUSE OF THAT) they say we haven't demonstrated... "enough assets and liabilities spanning the period of the marriage".

Besides frustrating it is also very confusing:
* How can we prove our case while the only thing we have ours is just an old car? (don't they know that not all of us are rich or wealthy or even middle class? Don't they understand that there are also low income people out there like us where only one member out of a family of 2, works to provide for the household?

* How can we prove what they ask when we have almost no liabilities in our name?

We have only a rent to pay and we included our Lease Agreement.

What else do they want? Anyone has any idea?

a) The Electric Bill is in my name since I first came in this apartment (and believe it or not there is no way to change names on; it is easier to get an interview from God than to find not someone but just a way to speak to somebody in our Electric Company).

b) Credit cards: we have 3 (two mine, one of my wife who is the applicant). I have a 804 credit score and as you understand I can't afford risking lowering a score I have so hard worked to pin it where it currently is by adding my wife in my credit cards who is a new comer in this country and has no clue how easy can a score be destroyed.

c) My car is paid off and in my name. Can't switch the title as you understand.
Any of you guys and gals, has any ideas how I can justify to the U.S.C.I.S. why my wife's name is not in the a) b) c) you 've just read above?

I 'd kindly appreciate any answers, ideas and comments that can REALLY help; the fastest you can reply the better because like I said, the time frame we have is very short.

Thank you, ALL of you

God bless you all

Edited October 26, 2013 by lasko12

[ionianrain 4]

I cant see how they lost your documents.. But if you say so..

Get a power of attorney for financial and one for medical.

Add your wife to the insurance for that car you own? List her as a driver

Get a secondary credit card. You can request another card with her name on it. It is not adding her to your account, or lowering your score as she won't be on the account, its just another authorized card on your account.

Call your electric company and ask to change address. Then give them both your names it should be addressed to. Again, its not adding her to the account, its just a title on the bill.

Do you have a phone plan together?

Seriously the did lose documents. Some 4 all together. Among them one of our Bank Accounts. Unbelievable yet from what I 've read, it happened to quite a few people in here.

Medical power is what we have.

Car insurance: she is added (though she knows not how to drive yet I added her regardless).

Has her own credit card with our family name on. The one she had under my account, exists no more and Credit Company can't give us any document stating that she used to be under my account... Electric Company can not be reached. If anyone thinks I am lying I can give them my full info and have them try to reach them, but they will have no luck doing so.

Phone: 2 cells, 2 accounts, in one company, with our family name each plan and number. Impossible to get a family account. Reason: they have no discounts for overseas calling and we use overseas calls a lot. Anyway if USCIS wants us to change our way of living, our culture, our financial structure then fine, they can pay our bills too...

NOT mad at you, but the country I was born in and its stupid laws.

I wanna correct the item b. Simply adding someone to your credit card account doesn't bring your score down. That is just authorizing another person to use it and the responsibility is still on your side and also the score is your own (isn't affect by your wife's score at all. If her score increases, that doesn't bring up yours and opposite). The banks just simply duplicate the cards with the same numbers (most of the times).

If you wanna verify what I say, just go to a bank and talk to a personal banker.

I am afraid my friend that on that you are wrong. if the person that has a credit card under your ombrella fails on a payment, your score goes down since that person has not established yet credit and she is under your name. Verified (at least according to what our credit card company told us).

[lasko12 9]

I am afraid my friend that on that you are wrong. if the person that has a credit card under your ombrella fails on a payment, your score goes down since that person has not established yet credit and she is under your name. Verified (at least according to what our credit card company told us).

It doesn't matter how many authorized cards in your account , all charges and payment posted in the same account (with total amount of all the cards). For example: If you have online banking account, you just need to sign in into your account and you will pay for both your wife's card and yours. To make it short, if you pay your card, you will pay hers too. It's almost impossible to pay separately for each authorized card. However, it's true that sometimes adding a no credit/bad credit person can lower your score but definitely not because of the reason you just pointed out. Late payment or not is under your control. BTW, what are your credit card company and bank ?

Edited October 30, 2013 by lasko12

[chitowncanuck 0]

Hmmm...if they lost your documents, just send them the same docs as a response to your RFE...it all really comes down to the interview I think.