Do I have enough evidence for ROC?

[stevensane 10]

Long time, no post!

I am getting ready to file for my ROC.

The evidence my wife (USC) and myself have to hand is:

2 joint tax returns from 2015 and 2016

2 years (approx) worth of credit card statements from card where my wife is primary account holder and I am authorized user

Wife is beneficiary of my 401k

Wife is beneficiary of my stock account

Wife is beneficiary of my life insurance

Wife is my emergency contact at work

Joint cell phone account

Pictures since we got married

Itinerary of honeymoon in Japan and trip to China to visit her family

Is this enough? We are lucky enough to not have to pay rent so we don't have a shared rental agreement or mortgage, we don't have kids, we live in a big city so don't have a mutually owned car and we are each have our own checking accounts. Will this cause us to get an RFE?

[Pinkrlion 2,724]

What about state IDs, utility bills,. What other bills do you share?

[Cathi 5,794]

doesn't sound like enough.

Do you have a joint lease or mortgage, joint bank account statements, joint health insurance, joint utility bills? They want proof of cohabiting, you have no proof that you live together

Edited July 8, 2016 by mimolicious

[Nich-Nick 3,354]

2 years (approx) worth of credit card statements from card where my wife is primary account holder and I am authorized user

Do both of your names appear on the statements? I ask because we had similar but only my name appeared on the statements so I didn't use them. I photocopied four sets of cards side by side. His and Hers with same account number.

[stevensane 10]

What about state IDs, utility bills,. What other bills do you share?

You mean to prove co-habitation? I have a New York state non-driver ID card with my address on it.

We share our cell-phone bill and a credit card, but our utility bills are in our mother-in laws' name and we pay her.

[stevensane 10]

doesn't sound like enough.

Do you have a joint lease or mortgage, joint bank account statements, joint health insurance, joint utility bills? They want proof of cohabiting, you have no proof that you live together

The only bills that we share and are in our name is a cell-phone bill and a credit card where she is the primary account holder and I am an authorized user. They have our shared address on them. I also have a New York State non-driver ID with my address on it. Is that enough to prove it?

2 years (approx) worth of credit card statements from card where my wife is primary account holder and I am authorized user

Do both of your names appear on the statements? I ask because we had similar but only my name appeared on the statements so I didn't use them. I photocopied four sets of cards side by side. His and Hers with same account number.

No, I believe it is only her name on the credit card. Do you mean you took pictures of the cards themselves, one with your name, one with your spouses name, front and back, and the cards had the same number? We could do that with the shared credit card we use.

[NikLR 13,232]

Wills? Mpoa?

[stevensane 10]

Wills? Mpoa?

We could get a will made, but is that necessary if she is the beneficiary of my stock plan, life insurance and 401k? Not sure is what Mpoa?

[NikLR 13,232]

Medical power of attorney

[Nich-Nick 3,354]

The only bills that we share and are in our name is a cell-phone bill and a credit card where she is the primary account holder and I am an authorized user. They have our shared address on them. I also have a New York State non-driver ID with my address on it. Is that enough to prove it?

No, I believe it is only her name on the credit card. Do you mean you took pictures of the cards themselves, one with your name, one with your spouses name, front and back, and the cards had the same number? We could do that with the shared credit card we use.

With only her name, you are sending two years of proof she has a credit card and nothing to indicate you use it.

I laid four sets of credit cards face down on the copier/scanner. Don't take a photo with your phone. I covered the middle numbers with white tape so not to mail off the whole number. I did not copy the back.

On the state ID or driver license. Copy both his/hers to show same address is on each of yours. Could be on same page as credit card. Label them even. "Shared credit card account". "State photo IDs showing same address".

Affidavit from Mom saying you have shared a room in her home since [date] but do not have a formal lease. Utilities are all paid by her, etc. Explains your lack of lease, utilities.

[NikLR 13,232]

So you dont have a card with your name on it? You're supposed to if you are an authorized user

[stevensane 10]

So you dont have a card with your name on it? You're supposed to if you are an authorized user

Sorry If I'm not being clear.. I mean it's only her name on the credit card statement. I have a card with my name on it and she has a card with her name on it. Both have the same number. As Nich-Nick suggested above I will cover part of the numbers with tape and scan the cards, side-by-side.

[NikLR 13,232]

Sorry If I'm not being clear.. I mean it's only her name on the credit card statement. I have a card with my name on it and she has a card with her name on it. Both have the same number. As Nich-Nick suggested above I will cover part of the numbers with tape and scan the cards, side-by-side.

Zero need to cover up the numbers imho. Us government could get the info if they wanted it.

[stevensane 10]

With only her name, you are sending two years of proof she has a credit card and nothing to indicate you use it.

I laid four sets of credit cards face down on the copier/scanner. Don't take a photo with your phone. I covered the middle numbers with white tape so not to mail off the whole number. I did not copy the back.

On the state ID or driver license. Copy both his/hers to show same address is on each of yours. Could be on same page as credit card. Label them even. "Shared credit card account". "State photo IDs showing same address".

Affidavit from Mom saying you have shared a room in her home since [date] but do not have a formal lease. Utilities are all paid by her, etc. Explains your lack of lease, utilities.

OK, I will do that with the credit cards as you suggested. Thank you very much for that advice!

Perhaps we will open a joint checking account as well and I can deposit half of my pay check each pay period into it. Would that help?

I will do as you suggest with the ID card as well.

[stevensane 10]

Zero need to cover up the numbers imho. Us government could get the info if they wanted it.

My wife is really into personal information security. She wouldn't be happy sending the numbers uncovered. I don't think its so much about the government being able to get the info if they wanted, its more about just not putting full access to your financial stuff out into the world. Just good practice I think, no?