I-944 No Credit Report Help

[mogiftney 144]

My wife is the beneficiary, adjusting from K1, she has a SNN, AOS package already sent but we are responding to our I-944 RFIE. 

 

My wife doesn’t have a credit card and neither do I, we both are debt free. She has a SSN with her maiden name on it. It’s been roughly 13 months since she entered on her K1. We had tried months ago to check her credit online and nothing came up, so we tried endlessly to get one of the three major credit agencies to mail us a letter stating that she doesn’t have a report and they misspelled her common first name 4 times in a row. The 5th time, TransUnion finally sent us a letter with the right name, but upon closer inspection it is not a letter stating that she does not have a credit report, rather a letter that appears to be... a WEIRD credit report.. it shows her full married name at the top with her personal info, then under that it shows account review inquiries where we had tried to view her credit report months ago on different occasions to get them to send us a letter. Then under that, it says “special messages” and says “FILE SSN LIKELY NOT ISSUED PRIOR TO JUNE 2011”. The rest is just TransUnion’s contact info. 
 

My probably stupid question to you guys is, is this considered a credit report? It has no credit score or other information except for info on prior times we tried to find her credit report. 
 

When we try finding her credit report on Experian and Equifax, they both give error messages saying that her credit report cannot be found. Should we include these and claim she has no credit report, or DOES she have a credit report and it’s just completely blank? When we look on the TransUnion website her “report” is literally a blank drop down menu with nothing on it. Is this a glitch or a weird blank credit report? Thanks so much, any advice on this topic is much appreciated. 

Edited January 9, 2021 by mogiftney

[RPete 73]

1 hour ago, mogiftney said:

My wife is the beneficiary, adjusting from K1, she has a SNN, AOS package already sent but we are responding to our I-944 RFIE. 

 

My wife doesn’t have a credit card and neither do I, we both are debt free. She has a SSN with her maiden name on it. It’s been roughly 13 months since she entered on her K1. We had tried months ago to check her credit online and nothing came up, so we tried endlessly to get one of the three major credit agencies to mail us a letter stating that she doesn’t have a report and they misspelled her common first name 4 times in a row. The 5th time, TransUnion finally sent us a letter with the right name, but upon closer inspection it is not a letter stating that she does not have a credit report, rather a letter that appears to be... a WEIRD credit report.. it shows her full married name at the top with her personal info, then under that it shows account review inquiries where we had tried to view her credit report months ago on different occasions to get them to send us a letter. Then under that, it says “special messages” and says “FILE SSN LIKELY NOT ISSUED PRIOR TO JUNE 2011”. The rest is just TransUnion’s contact info. 
 

My probably stupid question to you guys is, is this considered a credit report? It has no credit score or other information except for info on prior times we tried to find her credit report. 
 

When we try finding her credit report on Experian and Equifax, they both give error messages saying that her credit report cannot be found. Should we include these and claim she has no credit report, or DOES she have a credit report and it’s just completely blank? When we look on the TransUnion website her “report” is literally a blank drop down menu with nothing on it. Is this a glitch or a weird blank credit report? Thanks so much, any advice on this topic is much appreciated. 

I got a report from TransUnion, and the rep I talked to was familiar with the need for it for immigration. He said I was in their system but the report would be blank. It looks weird, but that’s all they sent. You could always add a letter explaining all of it too. I also included a credit report from my home country (Canada) as proof of timely bill payments. 

[mogiftney 144]

3 minutes ago, RPete said:

I got a report from TransUnion, and the rep I talked to was familiar with the need for it for immigration. He said I was in their system but the report would be blank. It looks weird, but that’s all they sent. You could always add a letter explaining all of it too. I also included a credit report from my home country (Canada) as proof of timely bill payments. 

Okay! So is what we got considered a credit report then?

 

I don’t think she has a credit report in her home country either, she was 19 when she came here. She didn’t own any credit cards or anything. 

Edited January 9, 2021 by mogiftney

[mogiftney 144]

Update: Wife found a hidden letter along with the  "weird credit report" from TransUnion mentioned above. Upon closer inspection, this doesn't seem to be a credit report, rather a glitch of some sort on their end. The letter we just found has the exact same date on it and states that TransUnion could not locate her credit report. Her name is spelled correctly and everything. We are going to state that she does not have a credit report or credit score as that is looking to be the more honest answer after finding this new letter. Thanks for the input!