Future Doctor (B1/B2) Married USC - Adjustment of Status Questions!

[chiks24 11]

Hello, good people! 

 

We were about to file AoS for my wife back in early February but turns out only a computerized birth certificate is allowed from her country to file for any immigration visas. This delayed our process long enough for the new i-944 requirements to take effect, and then lockdowns happened across the world, and now here we are trying to decipher what is acceptable. I hope y'all will be able to answer some questions/doubts. New to all this and appreciate any insight.

 

Quick info about her (beneficiary):

- graduated med school in her country in 2019 (never been employed)

- studying to take medical licensing exams here, which have been delayed due to Covid-19

- has visited the US in 2019 to do two clinical electives

- has a valid B1/B2 visa that expires mid-2021, but just entered the "overstay" category in June 2020

- no SSN or ITIN

- no name on any lease/car insurance/utility bill 

- no credit card or credit score

- unfortunately, we also did not renew her travel insurance which expired in March

 

Quick info about me (USC):

- make between $40k - $50k at a non-profit (above 125% FPG in 2019 Tax Return, and above 250% in the new career in 2020)

- bachelor's degree

- less than $25k student loans, $6k credit card debt

- no health insurance (employer-offered plan was too expensive). Marketplace will not open till November ☹️

- credit score: good (700+)

 

Questions:

• Is it possible to add her to anything (lease/bank account/utility bill/credit card) without having SSN or ITIN?
• Have any of y'all had success with getting a "no credit score report" without SSN/ITIN? 
• Should I get private health insurance for both of us ASAP?
• Will $6k credit card debt and a not-so-great checking account be a negative factor? Would I have to show a healthy bank account and hence get financial deposit help from my family till the green card is approved?
• Is switching jobs seen as negative? If I find a better employment opportunity, should I jump on it or would it be seen as unstable?
• Is there any advantage to filing the forms concurrently versus sending them at different times?
• Will I-131 (Advance Parole) add an extra $575, and I-765 (Employment Authorization) add an extra $410 to the cost of Adjustment of Status application?
• If she has given the TOEFL in 2012 and all her education has been where official language of instruction is English, does she need to still prove her English proficiency?
• Do we need to get her British-education high school diploma and Asian-education medical school degree evaluated? 

 

P.S if anyone knows a company in Texas that does not take away half my income in private health insurance, please recommend! 😅

[Bayanoparker02 6]

5 hours ago, chiks24 said:

Hello, good people! 

 

We were about to file AoS for my wife back in early February but turns out only a computerized birth certificate is allowed from her country to file for any immigration visas. This delayed our process long enough for the new i-944 requirements to take effect, and then lockdowns happened across the world, and now here we are trying to decipher what is acceptable. I hope y'all will be able to answer some questions/doubts. New to all this and appreciate any insight.

 

Quick info about her (beneficiary):

- graduated med school in her country in 2019 (never been employed)

- studying to take medical licensing exams here, which have been delayed due to Covid-19

- has visited the US in 2019 to do two clinical electives

- has a valid B1/B2 visa that expires mid-2021, but just entered the "overstay" category in June 2020

- no SSN or ITIN

- no name on any lease/car insurance/utility bill 

- no credit card or credit score

- unfortunately, we also did not renew her travel insurance which expired in March

 

Quick info about me (USC):

- make between $40k - $50k at a non-profit (above 125% FPG in 2019 Tax Return, and above 250% in the new career in 2020)

- bachelor's degree

- less than $25k student loans, $6k credit card debt

- no health insurance (employer-offered plan was too expensive). Marketplace will not open till November ☹️

- credit score: good (700+)

 

Questions:

• Is it possible to add her to anything (lease/bank account/utility bill/credit card) without having SSN or ITIN?
• Have any of y'all had success with getting a "no credit score report" without SSN/ITIN? 
• Should I get private health insurance for both of us ASAP?
• Will $6k credit card debt and a not-so-great checking account be a negative factor? Would I have to show a healthy bank account and hence get financial deposit help from my family till the green card is approved?
• Is switching jobs seen as negative? If I find a better employment opportunity, should I jump on it or would it be seen as unstable?
• Is there any advantage to filing the forms concurrently versus sending them at different times?
• Will I-131 (Advance Parole) add an extra $575, and I-765 (Employment Authorization) add an extra $410 to the cost of Adjustment of Status application?
• If she has given the TOEFL in 2012 and all her education has been where official language of instruction is English, does she need to still prove her English proficiency?
• Do we need to get her British-education high school diploma and Asian-education medical school degree evaluated? 

 

P.S if anyone knows a company in Texas that does not take away half my income in private health insurance, please recommend! 😅

Hi!!

To answer all your questions, let me first tell you that the I-944 form is new to everybody- even the officer still getting into it as they don't know much about it so it's from time to time that everything will be clear about that form.-

1) According to me, it is possible to add her in anything but not as a primary holder. Like for example the banker will propose to add her as a 2nd beneficiary. She will just have to have a valid ID.

2) for what I know, it's impossible to have a Credit report without a SSN or ITIN so she will just have to write a letter and let them know that without a SSN she can't provide such thing. Others said you can add her under your bank informations and then print out the credit score history but I'm not sure if it works- You will have to discuss with your banker for any possibilities.-

3) You can get a private health insurance at your ease( lower cost or higher cost )

4) I don't know.

5) switching jobs are never a negative thing because you follow what's good and more beneficial for you and your family.

6) It is at your ease to send them as you want but it cost less money to send concurrently as you won't have to pay for certain applications like work permit or Advance Parole as they are free. Or if you choose to send them separately you will have to pay for both of them. Concurrent Filing is much more better.

7) YES if you filed them separately.

 

Good luck

[chiks24 11]

On 6/11/2020 at 1:02 AM, Bayanoparker02 said:

Hi!!

To answer all your questions, let me first tell you that the I-944 form is new to everybody- even the officer still getting into it as they don't know much about it so it's from time to time that everything will be clear about that form.-

1) According to me, it is possible to add her in anything but not as a primary holder. Like for example the banker will propose to add her as a 2nd beneficiary. She will just have to have a valid ID.

2) for what I know, it's impossible to have a Credit report without a SSN or ITIN so she will just have to write a letter and let them know that without a SSN she can't provide such thing. Others said you can add her under your bank informations and then print out the credit score history but I'm not sure if it works- You will have to discuss with your banker for any possibilities.-

3) You can get a private health insurance at your ease( lower cost or higher cost )

4) I don't know.

5) switching jobs are never a negative thing because you follow what's good and more beneficial for you and your family.

6) It is at your ease to send them as you want but it cost less money to send concurrently as you won't have to pay for certain applications like work permit or Advance Parole as they are free. Or if you choose to send them separately you will have to pay for both of them. Concurrent Filing is much more better.

7) YES if you filed them separately.

 

Good luck

Thank you so much for your response. I am so glad to hear that work permit or Advance Parole is free with the package. I was stressing out about paying almost an extra $1000 for them!

 

I have added her as an authorized user of my credit card today based on what I've read on this forum, so hopefully that would show some credit when I call up a couple credit agencies 2-3 weeks later. Meanwhile, I will go to my bank to see if they allow us to have a joint bank account.

[chiks24 11]

Is it pointless to pursue an ITIN if my spouse does not have to file any taxes till at least mid-2021?