Dear
@Sm1smom ,
I would appreciate if you could assist with the below question.
I'm stuck with with getting a credit report and score for myself (for I-944 purposes). Q.11 of I-944 Form (Credit Report and Score) asks for it.
My situation is that I cannot retrieve it online as I don't have SSN and/or TIN (F2 visa holder) as I am not eligible to work in US. The same for my kids but I can recall you answered before that as minors they are NOT expected to have these reports and scores.
I contacted Equifax, sent them a written request to either send me the report (explained that I don't have SSN) or to issue a confirmation that NO report can be issued for me (absence of credit history). It's certainly going to take time for them to process it and no one can say when the reply can be obtained.
I personally used the credit card that is tied to my husband's credit card (he is F1 OPT) but my spending does not create the credit history to my name. Though my husband retrieved his credit report without any problems.
In Nov 2019 I opened my own credit card (backed up by deposit and the bank opened it without SSN) for a small amount, used it for 3 months so far, there are no delays in repaying it and I can show and provide these statements to USCIS (so no other documents have my name - no utility bills etc except this credit card with small limit).
The option now (as I found from other immigration forums) is to provide USCIS with the Sworn Statement of No US Credit History with the following wording:
" To whom it may concern,
As am applicant for permanent residence who is subject to the public charge ground of inadmissibility, I understand that I must provide my US credit report and credit score as a Part of I-944, Declaration of Self-Sufficiency.
I do not have a Social Security Number. As such, each of the three credit agencies is unable to generate a credit report or credit score for me.
I swear, under the penalty of perjury, that the foregoing is true and correct to the best of my knowledge.
Sincerely,
XXXX"
So, although I don't have SSN and cannot get any credit report online because of that, I am NOT sure that sending such above letter of statement might be correct, taking into account that I DO have a credit card, have some minor limit and made spending under it. So, I cannot say that I don't have a credit history.
I still will be waiting for the official response from Equifax (whichever it is going to be) but in the meantime, I am ready to send the package without Equifax response and putting such sworn statement of No US credit history if that might be a good option taking into account my situation...
What would be your opinion? Wouldn't it be misleading statement?
Thank you very much in advance.