SSN and Financially blocked.

[DaveNot 55]

I'm currently pending a request to adjust my status along with my EAD pending.

We recently tried to to add my name to the utility bills as joint account holders. Apparently, Dominion was not allowed to do so, due to a credit file block. Dominion couldn't tell me what the problem is, but I am currently awaiting a call back for the 3rd time from them.

I used my SSN just now to request a credit file from Experian and transunion and nither could verifiy me and send me my credit report.

I am currently stumped as to what to do to access my file *(if any exists) and have this block removed. I cannot seem to contact either credit referencing agencies to see what the current issue is. Would anybody potentially know or has been in this before?

[Nich-Nick 3,354]

Maybe the block is because you have no credit to report. You're a newbie. And contacting Experion is like going around your a#% to get to your elbow. You don't need your name on the water bill today. K1s are lowly nobodys for a while. Wait until you are a somebody with a greencard for things to go more smoothly for you.

PS. What is Dominion?

Edited June 10, 2015 by Nich-Nick

[Ebunoluwa 6,136]

Maybe the block is because you have no credit to report. You're a newbie. And contacting Experion is like going around your a#% to get to your elbow. You don't need your name on the water bill today. K1s are lowly nobodys for a while. Wait until you are a somebody with a greencard for things to go more smoothly for you.

PS. What is Dominion?

The power company.

I agree, wait a bit until EAD or GC. Build some credit with a secured card.

[DaveNot 55]

Dominion is the electric company. I'm just trying to sort things out prior too as I expect a work permit very soon. Shared bills and such

[swji89 41]

You don't need your name on the water bill today. K1s are lowly nobodys for a while. Wait until you are a somebody with a greencard for things to go more smoothly for you.

So not having your name on the bills won't be a hindrance for AOS?

[Ebunoluwa 6,136]

If you have an interview you can bring any co mingling evidence with you. Lots of it for ROC.

If you can't co mingle anything without the EAD right now then you can't and they understand that.

Focus on trying to get a joint bank account, gym card, things that show you live at the same address etc.

The problem that you don't exist on a credit report is because you have not build any credit.

You may get a secured credit card riding on your spouse's income, some banks are ok with that and some aren't.

Handling the card with low utilization and on time payments will build credit.

Utility companies are big on credit reports but they should add you to the billing statement based on your marriage certificate.

[DaveNot 55]

I had Experian verify my identity. I received confirmation of that just 30 minutes ago and I'll confirm here wheather or not that helped. Also, just received my driving licence which states current address, so working towards this stuff. We have a joint account as current.

[swji89 41]

Handling the card with low utilization and on time payments will build credit.

Thanks for the advice, good stuff. On this point (and to cut through the jargon a little), does this basically mean use the card for small amounts and obviously pay the bill off on time and in full each month?

[Ebunoluwa 6,136]

Yes, there are thread here about building credit, you can make a search and enter " secured credit card, building credit"

and find many posts giving excellent advice about how to go about it.

[DaveNot 55]

Okay, I was added to the account without any issues at all. So, it seems like Experian did their job which I was skeptical over

[Ebunoluwa 6,136]

Okay, I was added to the account without any issues at all. So, it seems like Experian did their job which I was skeptical over

People can't as much as fart without a decent credit report (score) in this country.

Building good credit is vital because everyone will have their nose in how credit worthy you are, landlords, lenders, phone/power

companies, car insurance.

creditkarma.com is a good web site to learn all about credit and has tools to change things around to see how it will affect

your credit score with the 3 big players.

[DaveNot 55]

thank you

[Pitaya 2,577]

We are among the millions of folks affected by the recent Premera health insurance security breach. One of the remedies is to supply the victims with 2 year's of free credit report monitoring and a identity protection plan from Experian. What a mess!!!

http://premeraupdate.com

Anyway I was able to set up accounts with Experian for my wife (former K1) and myself with no problem. However, my stepson (former K2) is a poor college student with no personal credit cards, no credit rating, no nothing. Experian couldn't find anything about him because he is a "clean slate." Sounds like you may have experienced something similar. He now has checking/debit card and saving accounts at a local credit union. Getting joint credit union account for my wife, took out a car loan at the credit union, with her as the primary borrower, me co-signing the loan.

Like others have said, it takes time to establish good credit; and not much time to establish bad credit.

YMMV.

Good luck on your immigration journey.

[Expat1 971]

So not having your name on the bills won't be a hindrance for AOS?

In our experience, no. It won't.

[Nich-Nick 3,354]

So not having your name on the bills won't be a hindrance for AOS?

From my experience--

Adjustment of status was approved with nothing more than a marriage certificate. We included nothing extra in the application and we had no interview, so no opportunity to show anybody our joint bank account and joint tax return.

I owned my house and did not add my husband to the deed, nor to the utilities.

A year later we bought a new house solely in my name because it was easier to get a mortgage alone. I changed the service address of the utilities but they remained the same accounts in my name.

By removing conditions time, we had a lot of joint things, but we did NOT share--

Same last name

Mortgage

House deed

Utility bills

Children

Health insurance

Wills that left everything to the other

Beneficiary status on anything from work

Geez--how did he get approved? Again, no interview. Just saying it is possible.

We did share--

Checking, Savings, and Money Market accounts at new bank

checking and savings at old bank. Closed account.

Four credit cards

Three joint tax returns

Driver licenses with same address. Old and new house.

Auto insurance

Two car titles

A cat. Vet bills in both names

A dentist. Dental receipts had both names and appointments noted

Two trips. Boarding passes

And a little extra fluff...

Photo Christmas cards. Two years.

Custom printed "We're Moving" card with new contact info for each of us

Photos on major holidays with family, painting inside our new house, selfie on the airplane, etc.

It wasn't utility bills but it painted a total picture of a real couple which was acceptable. Seriously, who goes to the dentist with their fake husband? That or the cat probably sealed the deal

Hope that gives you some perspective.

**And most important I think, was that we had documents covering the entire two plus years of our marriage.

Edited June 20, 2015 by Nich-Nick