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The "been there done that" thread: life in the US after DV

Discussion in 'Lottery Visas - DV' started by SusieQQQ, Oct 13, 2014.

  1. DV4ROGER

    DV4ROGER Active Member

    @Wingpin

    I assume it's not a missing income. I remember being rejected twice for a missing credit file. It can take some time until your SSN is in the system. So I waited until Credit Karma was able to pull my report (approx 3-4 weeks). I was instantly approved later on when I applied (online) for a secured credit card.
    If you can't wait I would go to a BofA or Capital One branch in person and explain your situation.
     
  2. SusieQQQ

    SusieQQQ Well-Known Member

    Yeah I'm surprised at capital one being the bank.... we started getting unsolicited card offers from them roughly a month after we arrived - but clearly they had our address from something (whatever it was, it wasn't other credit as we didn't have any at that stage). That's possibly wingpin's issue, if I understand correctly on a second read, you are not actually living in the US yet?
     
  3. Lucid

    Lucid Active Member

    Wow I'm surprised too. Concerning the income, my bank had me input my income in the previous year, and made me understand how it includes savings, monetary gifts, even social benefits.
    Assuming her credit profile wasnt found in the system, theyre supposed to ask for extra docs to verify identity.
    Likely to be a mistake of some sort. @Wingpin Did you notice a hard pull on creditkarma?
     
  4. Wingpin

    Wingpin Active Member

    I got a bank account in person and they copied my passport. I used my friend's address to have the debit card sent to me. There is one hard pull on CreditKarma, yes.
     
  5. SusieQQQ

    SusieQQQ Well-Known Member

    But you can't prove it's your own address obviously. Doesn't matter for a debit card, does for credit.
     
  6. Wingpin

    Wingpin Active Member

    Quick update for anyone who might be interested, just completed the amex global transfer (UK to US) over the phone so am approved for a credit card. Should have just done this in the first place; just logically I was under the impressed a secured credit card is the basic first step. Silly me ;)
     
    lottic likes this.
  7. SusieQQQ

    SusieQQQ Well-Known Member

    Yup, for those countries where you can transfer Amex - it doesn't work for all of them - it should be the first thing you do.
     
  8. lottic

    lottic Member

    Hi @Wingpin would you mind sharing what details (or proof if any) they asked for?

    Thanks
     
  9. Wingpin

    Wingpin Active Member

    Hey Lottic, there's a list on the Global Transfer AMEX page for the details you should have ready for the application. Over the phone, I gave them:

    - US address
    - US phone number
    - AMEX card number in UK
    - SSN number
    - Employment details (annual salary/income and company name) and total assets/liabilities. For example I told them what I have in total in checking and savings accounts and what investments I have etc etc.

    What I didn't have to give them (though it was mentioned on the website as included in the information to have ready) is:
    - US account
    - Passport info

    They asked 2-3 times to confirm they had permission to check my credit (non existent in US). Overall, it took maybe 20 minutes on the phone speaking to two reps. There was little wait time and they were very polite and prompt.
     
    Pog likes this.
  10. lottic

    lottic Member

    Thanks for your help @Wingpin

    For employment details, did you provide US employment details or UK?

    For the address, did it have to be a US residential address?

    Cheers
     
  11. Wingpin

    Wingpin Active Member

    @lottic Hi, my UK employment details were ok. Address had to be US residential/permanent one as far as I know, I don't think they'd send it overseas, and they wouldn't send it to a temp address that I'm at at the moment.
     
    lottic likes this.
  12. Sam2015

    Sam2015 Member

    Hi guys just updating you about my son who turned 14 last year( 11 month ago.). My son I-90 approved and card produced. We didn’t receive it yet but I received text message and online says it’s approved too. Thank you Jesus.
    Thanks guys for your great advise in our immigration journey :)
    God bless you all.
     
    Sm1smom likes this.
  13. Sam2015

    Sam2015 Member

    The info in the new card says the card holder residence since 00/00/ same date exact like the old GC. only the expiration date is different which is mean the old one never become expire while you’re u are waiting for the new one. Just info for those who apply or renew their GC.
     
  14. Sm1smom

    Sm1smom Super Moderator

    Of course the resident since date remains the same. Even if one applies for a replacement card 10 years down the road after the initial card expires, resident since date will not change.
     
  15. SusieQQQ

    SusieQQQ Well-Known Member

    We got notification card produced Oct 20th (also replacement card for 14-yo). We filed I90 late November last year so almost exactly 11 months.
     
    Sam2015 and Sm1smom like this.
  16. Sam2015

    Sam2015 Member

    Good news. Congratulations
     
  17. TwilightGal

    TwilightGal Member

    Hi all, does anyone know about the most affordable health insurance for self employed?
     
  18. Britsimon

    Britsimon Super Moderator

    Insurance is localized and dependent on your circumstances. Search for plans at https://www.healthcare.gov/
     
  19. Gharrison

    Gharrison New Member

    Just a question re: taxes. We activated our diversity visas late March this year and have been out of the country since then, doing the proper move in mid February. I've read that I'll need to ensure I've filed taxes so as not to raise any issues on arrival, even though we haven't earned any income in the states this year. The problem is our social security numbers never actually arrived with at our friend's address in the states like I thought they were supposed to, so I'm assuming it will be a bit tricky to do that paperwork without these. I figured I'll have to go into an office to sort out our SSNs once we're there. Will we be ok to wait until we're there, as long as we do our taxes before the deadline, which I see is in April?
     
  20. SusieQQQ

    SusieQQQ Well-Known Member

    Should be fine. (And yes, you do need the SSNs to file tax.)
     

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