Need advice on how to establish joint finances when fiance has no SSN

statedintent

New Member
I am getting married to my fiance (together for 6 years) in December and will be applying for spousal sponsorship (I am USC, fiance Canadian). Our finances have been joint for a few years, but the only proof we have is one joint checking account. We are ready to purchase a new car, but everywhere seems to require social security numbers from both parties. My fiance obviously does not yet have a social security number and we want to make sure these documents are in both of our names. I keep reading that we need to establish our joint financial lives, but how do people do that in the U.S. when you need a SSN to open any accounts. Our bank allowed us to open a checking account in both our names 3 years ago. We have our savings in a different bank (higher interest rates), but they would not allow my fiance on without an SSN. So far, we can't figure out how to get both our names on: cell phone bill, car loan, utilities, cable, savings account, credit cards (fiance is an authorized user, but not a joint account holder), etc. Are people aware of companies that are open to only one person having an SSN, but having both people on the account. We have a a very real relationship and are afraid that we won't have the documentation to prove it without being able to get both of our names on these. We do have health and life insurance together as well as tons of pictures for the last 6 years, but we really want to be able to show that we share finances. All of our income is from me (my fiance is a homemaker), so I don't know if or how that affects anything. Any tips would be greatly appreciated.
 
not a big deal!
you can apply for tax id number.works very much like SS number.how you get one ?check with IRS or your tax preparer.with that she get a secure credit card from BofA in the begining.after few months ,she can apply for regular credit card.that's how i did for my wife.now she has 4 credit card accounts and two checking,and a savings account.about adding her on savings account,by law bank can't ask for SS number.if they do ask them give you in writing,and take that written note to SS office.but anyway,you donnt have to go through all this.and even on utility bills ,there is no problem to add her name on the bills.i never have problem.
 
not a big deal!
you can apply for tax id number.works very much like SS number.how you get one ?check with IRS or your tax preparer.with that she get a secure credit card from BofA in the begining.after few months ,she can apply for regular credit card.that's how i did for my wife.now she has 4 credit card accounts and two checking,and a savings account.about adding her on savings account,by law bank can't ask for SS number.if they do ask them give you in writing,and take that written note to SS office.but anyway,you donnt have to go through all this.and even on utility bills ,there is no problem to add her name on the bills.i never have problem.

I never knew that was possible, paramvir. Thanks for the info.

statedintent
I opened a joint checking account with my then fiancee(now wife) and used that as proof of financial mingling. We also had a letter issued by the bank acknowledging the fact that we have a joint account together. I had also added her on my car insurance and house lease as an occupant relationship fiancee then. And that's what we sent as proof with our marriage license.
 
We are ready to purchase a new car, but everywhere seems to require social security numbers from both parties.
You alone have enough income to buy the car, right? Then you can get the loan in your name alone, but have the car registered in both names without your fiance's SSN. Unless the state DMV requires two SSNs to register the car in two names.
 
I never knew that was possible, paramvir. Thanks for the info.

statedintent
I opened a joint checking account with my then fiancee(now wife) and used that as proof of financial mingling. We also had a letter issued by the bank acknowledging the fact that we have a joint account together. I had also added her on my car insurance and house lease as an occupant relationship fiancee then. And that's what we sent as proof with our marriage license.

ya dude,she has AMEX credit card,capitol one,BofA and chase credit cards.and no SS number yet.and those have high credit limits now.
 
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