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katchoo12

Credit bureau

By katchoo12 in Canada

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Inky Grand Master

Inky   1,110

Posted
Filed: Citizen (apr) Country: Canada
 Timeline
Posted

Not a USCIS service center question. Moving to the Canada forums.

Got put on my husbands credit card as a joint user and instantly had 6 years of US credit history that was in the green. Then got a card of my own from Capital One with a low balance. It was quite easy to start up getting credit.

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Your I-129f was approved in 5 days from your NOA1 date.

Your interview took 67 days from your I-129F NOA1 date.

AOS was approved in 2 months and 8 days without interview.

ROC was approved in 3 months and 2 days without interview.

I am a Citizen of the United States of America. 04/16/13

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Kathryn41 Grand Master

Kathryn41   3,205

Posted
Filed: Citizen (apr) Country: Canada
 Timeline
Posted

easiest way is to piggy bag on your fiance/spouse's credit. You could request credit reports from the 3 major credit agencies before you leave and have hard copies that you can take with you, along with information about how US organizations can contact the Canadian credit agencies. Most won't bother but some here have reported success using that method. It won't hurt at any rate and it might help.

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.― Lucy Maude Montgomery, Anne of Green Gables

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nickbits Community Regular

nickbits   43

Posted
Filed: Lift. Cond. (apr) Country: Canada
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Posted

Banks that have Canadian operations may be able to use your Canadian credit to establish a new account, but you will be starting over more or less. I started over completely from scratch with a prepaid VISA.

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Inky Grand Master

Inky   1,110

Posted
Filed: Citizen (apr) Country: Canada
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That is the thing, my future husband doest not and cannot have a credit card for awhile so i was looking for solutions to do it by myself... Thanks for your suggestions ! :)

If you have to by yourself go with capital one. They can get you a low limit card without a credit history. Just do not make any late payments lol.

-------------------------------------------- as1cE-a0g410010MjgybHN8MDA5Njk4c3xNYXJyaWVkIGZvcg.gif

Your I-129f was approved in 5 days from your NOA1 date.

Your interview took 67 days from your I-129F NOA1 date.

AOS was approved in 2 months and 8 days without interview.

ROC was approved in 3 months and 2 days without interview.

I am a Citizen of the United States of America. 04/16/13

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Flames9_RN Grand Master

Flames9_RN   358

Posted
Filed: IR-1/CR-1 Visa Country: Canada
 Timeline
Posted

Many have stated that having a CDN American express card-----then when u move to the USA, have the CDN American express CC transferred to the USA side.

If possible have the utilities in ur name--which can be difficult to do as some of them want a down deposit, since you have no Credit history!

As well do a search on VJ---this is a very popular topic. Best of luck

Canadians Visiting the USA while undergoing the visa process, my free advice:

1) Always tell the TRUTH. never lie to the POE officer

2) Be confident in ur replies

3) keep ur response short and to the point, don't tell ur life story!!

4) look the POE officer in the eye when speaking to them. They are looking for people lieing and have been trained to find them!

5) Pack light! No job resumes with you

6) Bring ties to Canada (letter from employer when ur expected back at work, lease, etc etc)

7) Always be polite, being rude isn't going to get ya anywhere, and could make things worse!!

8) Have a plan in case u do get denied (be polite) It wont harm ur visa application if ur denied,that is if ur polite and didn't lie! Refer to #1

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g4indigo Apprentice

g4indigo   0

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Filed: Timeline
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Correct. I transfer my CDN AMEX card to US card and the history was carried forward.

Many have stated that having a CDN American express card-----then when u move to the USA, have the CDN American express CC transferred to the USA side.

If possible have the utilities in ur name--which can be difficult to do as some of them want a down deposit, since you have no Credit history!

As well do a search on VJ---this is a very popular topic. Best of luck

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hikergirl Proficient

hikergirl   277

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
Posted

You could check out the RBC (USA) accounts. Handy to transfer funds between a Canadian RBC account (best to keep open for EI and tax rebates and such) and your US RBC account on-line.

You can have one before you move down.

http://www.rbcbank.com/advice-center/cid-298338.html

I'm not sure if the other banks have anything similar right now or not.

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Canadiandggal Proficient

Canadiandggal   49

Posted
Filed: IR-1/CR-1 Visa Country: Canada
 Timeline
Posted

If you have to by yourself go with capital one. They can get you a low limit card without a credit history. Just do not make any late payments lol.

I applied for this card a month or two after i arrived I have a good score here, not so good back in canada lol

http://www.capitalone.com/creditcards/newcomer-credit-card/

~~~Marriage : 2009-07-10~~~

~~~I-130 Sent : 2009-11-24~~~

~~~ Medical : 2010-09-28~~~ ~~~ MTL Interview : 2010-10-20~~~ ~~~ APPROVED~~~

~~~POE Date :2010-10-31~~~ ~~~Received SSN's 2010-11-08~~

~~~Welcome Letter/Notice Receipt :2010-11-30~~~ ~~~Received Our Green Cards 2010-12-06~~~

~~~ ROC :2012-08-20~~~ ~~~NOA1 :2012-08-28~~~ ~~~BIO :2012-09-25~~~~

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~~~Do not argue with an idiot. He will drag you down to his level and beat you with experience.~~~

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Inky Grand Master

Inky   1,110

Posted
Filed: Citizen (apr) Country: Canada
 Timeline
Posted

I applied for this card a month or two after i arrived I have a good score here, not so good back in canada lol

http://www.capitalon...er-credit-card/

Yes ! they have been great even their customer service has been great.

-------------------------------------------- as1cE-a0g410010MjgybHN8MDA5Njk4c3xNYXJyaWVkIGZvcg.gif

Your I-129f was approved in 5 days from your NOA1 date.

Your interview took 67 days from your I-129F NOA1 date.

AOS was approved in 2 months and 8 days without interview.

ROC was approved in 3 months and 2 days without interview.

I am a Citizen of the United States of America. 04/16/13

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Udella&Wiz Mentor

Udella&Wiz   325

Posted
Filed: Citizen (apr) Country: Canada
 Timeline
Posted

Let me just say that in my personal experience, piggybacking on my husband's credit didn't work - for whatever reason they couldn't add me as more then a user on his CC so nothing ever reported to my credit. Bills in my name didn;t seem to do much either...they may have changed that rule taht utilities don;t report to your credit

Yah - it sucks about the starting over thing if it happens to you( it did to me). I kept my Cdn card with has a nice limit just for emergencies since my personal US card still has a relatively low limit.

Wiz(USC) and Udella(Cdn & USC!)

Naturalization

02/22/11 - Filed

02/28/11 - NOA

03/28/11 - FP

06/17/11 - status change - scheduled for interview

06/20?/11 - received physical interview letter

07/13/11 - Interview in Fairfax,VA - easiest 10 minutes of my life

07/19/11 - Oath ceremony in Fairfax, VA

******************

Removal of Conditions

12/1/09 - received at VSC

12/2/09 - NOA's for self and daughter

01/12/10 - Biometrics completed

03/15/10 - 10 Green Card Received - self and daughter

******************

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Flames9_RN Grand Master

Flames9_RN   358

Posted
Filed: IR-1/CR-1 Visa Country: Canada
 Timeline
Posted

When it comes to piggybacking on a spouses cc, it has to be done a certain way. I forget the actual wording, but if not not in that manner, sure ya have a CC, but it doesnt get reported. I know a few yrs back on MSNBC, they were stating that they were trying to close that piggybacking loop hole

Canadians Visiting the USA while undergoing the visa process, my free advice:

1) Always tell the TRUTH. never lie to the POE officer

2) Be confident in ur replies

3) keep ur response short and to the point, don't tell ur life story!!

4) look the POE officer in the eye when speaking to them. They are looking for people lieing and have been trained to find them!

5) Pack light! No job resumes with you

6) Bring ties to Canada (letter from employer when ur expected back at work, lease, etc etc)

7) Always be polite, being rude isn't going to get ya anywhere, and could make things worse!!

8) Have a plan in case u do get denied (be polite) It wont harm ur visa application if ur denied,that is if ur polite and didn't lie! Refer to #1

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jazzly Explorer

jazzly   3

Posted
Filed: IR-1/CR-1 Visa Country: Canada
 Timeline
Posted

RBC, BMO and TD have US presence. These banks can help bringing your credit scores across the border. Amex also helps if you have CDN card.

http://www.americanexpress.com/global-card-transfers/united-states.html

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Adriene H Rising Star

Adriene H   89

Posted
Filed: K-3 Visa Country: United Kingdom
 Timeline
Posted (edited)

Your basic day to day utilities (rent, electricity, phone, cable TV, water, gas)

are also ways to build a credit history. After a year, then apply for a

low-rate credit card and you're on your way up :thumbs:

Edited by Adriene H

I-130

2011-08-20 Posted

2011-08-31 NOA1

2011-09-03 Touch

2011-11-18 Sent Expedite Request to USCIS

2011-12-09 Response Received for Exepedite Request

"Wait your turn" in a nutshell

2011-12-02 Sent Expedite Request to US Representative Ed Royce

2012-01-27 Sent Expedite Request to Immigration Ombudsman

2012-02-02 Sent Expedite Request to Senator Barbara Boxer

2012-02-02 Sent Expedite Request to Senator Dianne Feinstein

2012-03-08 Case transferred to field office for additional processing

2012-03-23 Now being processed at a USCIS office

2012-05-10 Transferred to another office for processing

2012-05-14 Now being processed at a USCIS office

2012-06-05 Approved NOA2

2012-07-17 NVC Case/Invoice # Received

Petitioner: US Born Citizen (Wife)

Beneficiary: British Born Citizen (Husband)

Your I-130 was approved in 279 days from your NOA1 date

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