Credit report/score absence for I-944

[cooleynata 3]

Hi, 

 

I just wanted to see if anyone has also found it hard to obtain a letter which confirms that there is no credit score and no credit report. I have tried to contact TransUnion, Experian and Equifax and it was only Equifax who said that they could provide such a letter, after I send in a copies of my SSN, my passport and drivers license. I have sent in the documents and now need to wait around 11-15 days (according to Equifax) to get a letter in the mail saying I don't have a report. 

 

Is there a faster way to obtain such a letter for I-944 form or is this the normal course of action? 

 

Thank you

[Medamayaki 2]

Hi 😀

Are you applying for AOS?

I saw some people have the same problem and just write a letter explaining it.

Visa Journey also has an example letter (please see AOS I-944 credit score explanation ). 

I wrote a letter like that when I applied for AOS.  

[portorusa 431]

Go to Credit Karma, it’s an immediate response regardless if you have a credit score or not. You can print it out right away. 

[cooleynata 3]

Thank you both. But I thought from reading I-944 instructions that I may need to provide evidence of no credit report/score from one of the three reporting agencies. 

 

Credit Report and Score
Item Numbers 11. - 12. Credit Card Score and Report. USCIS will review your U.S. credit report and the credit score
submitted with your declaration, if available, to review your financial status. If it is available, identify the latest credit
score number.
You can obtain a free credit report once a year under the Fair Credit Reporting Act from each one of the three credit
reporting agencies. You are only required to provide one credit report from any of the three nationwide credit reporting
agencies, Equifax, Experian, and TransUnion. See https://www.usa.gov/credit-reports for more information. If there
are any errors in the credit report, you should provide evidence from the credit reporting agency that demonstrates that
you reported the error and that the error is under investigation or has been resolved.
If you have any negative history in your credit report, you may provide an explanation in the designated area of this
form. Negative credit history may include delinquent accounts, debt collections, charge-offs (delinquent accounts deemed
unlikely to be collected), repossession, foreclosure, judgments, tax liens, or bankruptcy on your credit report.
If you do not have a credit report or credit score, provide documentation that demonstrates that you do not have a credit
report or score with a credit bureau. You may provide evidence of continued payment of bills if there is no credit report or
credit score.

[cooleynata 3]

Just tried to do it with Credit Karma, but it seems that they do not accept/can't process my SSN. 

[HRQX 4,145]

21 minutes ago, Sarge777 said:

If possible borrow money from neighbors and special loan loaners in the neighborhood so you can obtain credit and continue your revolving loan success and building block to a score you earned with much happiness.

How would informal loan affect credit report? https://www.creditcards.com/credit-card-news/who-furnish-payment-info-credit-bureaus/ "the Fair Credit Reporting Act (FCRA) spells out strict requirements for furnishers, and most of them can only be met by businesses. Furnishers must regularly report accurate information in a standardized format and investigate within a specific time frame any disputes initiated by consumers. An individual who lends money to a family member or friend is typically not capable of meeting those standards."

Edited November 24, 2020 by HRQX

[SteveInBostonI130 3,489]

1 hour ago, cooleynata said:

Thank you both. But I thought from reading I-944 instructions that I may need to provide evidence of no credit report/score from one of the three reporting agencies. 

 

If you do not have a credit report or credit score, provide documentation that demonstrates that you do not have a credit
report or score with a credit bureau. You may provide evidence of continued payment of bills if there is no credit report or
credit score.

 

A signed letter from you is documentation.  The template letter that @Medamayaki mentioned has a way for you to provide screenshots to back up your written explanation.

 

https://www.visajourney.com/examples/I-944-credit-score-explanation.docx

 

[GlizNov 8]

I managed to get a letter from TransUnion posted to me stating I didn't have a credit report. I called and explained why I needed it. I gave my name, address and date of birth and the letter came a week later.

[Surge420 3]

Sign up for a credit card under an authorization from spouse/friend. That goes to your credit history in 30 days