ForumTitleContentMemberSexCountryDate/Time
Canadaar-11 / i 865 change of address
Select "Other" and in the text field to explain put "K-1 Visa entry, Adjustment of Status Pending"
Bob 4 AnnaMalePhilippines2010-07-06 09:21:00
CanadaUhaul and other moving suggestions
One of the factors that determines U-Haul rates is how short the destination area is on equipment. If you are moving to an area that is currently short on the equipment you are renting then they discount the price to motivate you to rent with them.

Another thing to know, if you have State Farm Auto Insurance they do cover rental equipment you drive (including U-Haul moving trucks) so you can pass on the insurance (they call it Damage Waiver I believe).
Bob 4 AnnaMalePhilippines2010-07-14 15:58:00
CanadaChildren
I was just 22 when my first daughter was born. Was I ready emotionally or financially? No I wasn't. Have my children suffered as a result? No they haven't because I stepped-up to the challenge and became the parent they needed me to be. It isn't something you can learn or prepare for ahead of time, it is a process of growth and development that happens as you grow with your child(ren).

Now my daughters are 18 & 15 so many would consider me an experienced parent. My son just turned 3 6 weeks ago, guess what... I'm still learning and growing with him!

There are times when I think about "what if", how I could have spent all of that money on more fun and nicer cars but then I remember how much I've grown as a person and any regret or doubt quickly fades away...
Bob 4 AnnaMalePhilippines2010-09-21 13:55:00
CanadaWant Credit?
The "Authorized User" loophole being closed is more about how Credit Scores are calculated.

Until a few years ago you could get a boost in your Score by being added to others' CC as an AU. The problem with this is that the AU isn't financially responsible for the account and in the case of people using it this way (many paid a service who in turn paid people with good payment histories so strangers we're being connected to scam the credit industry) most didn't even really have access to the account.

If you're an AU on someone's account IT WILL SHOW-UP ON YOUR CREDIT REPORT. Most of the new Scoring & Decisioning Models intentionally ignore AU Accounts.

If you really want to benefit then do the paperwork to be added as an additional (or co) account holder. While the AU loophole isn't completely closed yet it is getting smaller & smaller with each passing month.

FWIW, I've been working with Credit Reporting Software, including Scoring & Decisioning applications for over 10 years.

Edited by Bob 4 Anna, 30 September 2010 - 12:39 PM.

Bob 4 AnnaMalePhilippines2010-09-30 12:39:00
Canadamoving back to Canada
Failure to properly notify USCIS that your are abandoning your Green card can lead to a reentry ban!

At 2 years the green card expires. They don't know you've left so they deport you in absentia. You are now banned!
Bob 4 AnnaMalePhilippines2010-11-08 16:08:00
CanadaHusband allowed re-entry into Canada?
Look into filing for Recognition of Rehabilitation for him.
Bob 4 AnnaMalePhilippines2011-03-05 08:38:00
CanadaApplying for credit cards

They Capital One card you are talking about, is it a secured card or an actual credit card from the bank?

It's a real unsecured credit card. My wife was approved for $500 without any prior credit or a job!
Bob 4 AnnaMalePhilippines2011-03-16 18:42:00
CanadaApplying for credit cards

Did I mention she was approved off the bat from Chase for a $5,000 credit limit within 6 months of being added as an AU? I truly have credit going back to 2007 (still paper thin) and I cannot get a limit that high.

The only possible explanation is that Chase saw that she had a high credit score and a history over 3 years.

In reality she had been added as an authorized user in the 4th quarter of 2009 and had a secured credit card with a $400 limit for a few months when she was approved for the $5,000 chase card...People brand new to credit do not get these type of approvals...Case in point, see all the people talking about the Capital One card with a $500 limit that if you fill your gas tank up you are already using 20% of your total limit..

Actually, from your accounting in another thread it took 13 months... or was this post inaccurate?

The secured card had more to do with propping up her fragile score than the authorized user account! You also fail to mention if you have a "Banking Relationship" with Chase or not.

And I could give you at least 5 other more plausible explanations for the timeline in your other post. Of course given your advice to lie on credit applications I would expect that you always listed your wife's income as nearly $100,000 annually except for the mortgage application where they require proof of income.
Bob 4 AnnaMalePhilippines2011-03-15 16:08:00
CanadaApplying for credit cards

I am on three of my husbands credit cards as AU and I checked my freecreditreport.com and I have 5 months worth of on time payments etc so I have to say that it still works.

You're 100% correct that it shows on your report but there is also a code on that line to say what position you hold on the account (Individual Owner/Joint Owner/Authorized User).

If you are the Authorized User and your report is parsed correctly then you don't get points for the age of the account or it's payment history because You are not responsible for the account. You don't get a bill in your name, you didn't sign an account holder's agreement with the bank, you can't be sued if the account goes unpaid.

Think of it like this:

I have 4 phone lines on my AT&T Account.

I am the account holder, have the signed contract with AT&T.

My wife, daughter & a friend use the 3 other lines. They are authorized users of my account but they never signed an agreement with AT&T.

If I don't pay the bill AT&T can only go after me for the money.

That is the difference between authorized user & account holder. Modern Scoring Models understand this and take into account how the Authorized User Issue has been fraudulently abused in the past.
Bob 4 AnnaMalePhilippines2011-03-15 15:20:00
CanadaApplying for credit cards

Then explain how in the 3rd or 4th quarter of 2009, when I added my wife as an authorized user, she now shows credit history and on-time payments going back to 2007?

Within months she has a credit score of over 700....Approved for a home all on her own on part-time minimum wage employment.

I credit her being added as an authorized user for all of these amazing credit-related perks she has been given in her short time in the US.



Just because something shows on your credit report doesn't mean it is used to calculate a credit score.

Authorized User accounts will be listed but current scoring models ignore them.

Some financial institutions don't update their policies very quickly, we still have client using 1995 versions of FICO and other score models. They are stupid for doing because the applicants are being scored on 1995 expected incomes in addition to not being adjusted for scams such as the authorized user stuff.

Do you have any idea how many different scoring models there are? My programming code recognizes over 200 different scoring models and we can internally calculate over 50 more!

Again, just because you can see it on a printed Credit Report that doesn't mean it's getting counted in a Scoring Model.

Also, It's not uncommon for someone with a thin credit file to have a high score, these are referred to in the industry as "Fragile Scores" because they are high only due to a lack of negative factors not due to the presence of positive factors. A good underwriter would not approve a loan in the situation you described.
Bob 4 AnnaMalePhilippines2011-03-15 15:13:00
CanadaApplying for credit cards

I think it is fantastic advice.

Still waiting for you to give a link to an article where a person was thrown in the slammer, arrested, and charged for saying they make $75,000 instead of $50,000....

I recommend you read this article: http://www.720credit...thorized-users/

How do they not have a legal responsibility for them? For one, it will destroy their credit if they don't pay the bill so it is in their best interest to pay on time. For two, the credit card companies will go after and make both people pay for the outstanding debts because it is now both of their cards.


First, I don't need to provide proof that someone was arrested for fraud. If you lie on a credit application then you have committed fraud, it happens everyday and not everyone get caught. It's still illegal and in violation of VJ's TOS to suggest someone knowingly do something illegal.

Regarding your website, I have access to confidential documents regarding how Credit Scores are calculated including what information to completely disregard. At the top of that list is Authorized User Accounts.

Why? Because as an authorized user you are not legally liable for paying the account, you are simply granted access to the account. The creditor can not go after an authorized user if the account holder defaults on the balance. Notice the difference between "Authorized User" (as in authorized to use it) and Account Holder? Your own link states this difference.

Here are some links for you to read:

http://www.credit.co...ula-Changes.jsp

http://www.fico.com/...authorized user

http://www.experian....on-request.html
Bob 4 AnnaMalePhilippines2011-03-15 13:53:00
CanadaApplying for credit cards

Not quite sure what the NA Link is but I know the person we were dealing with at the dealership told us he just called Nissan Canada and had them pull it.

Through NA Link a company in the US can access Canadian Credit Reports. We don't us it anymore but for a few years we had some Canadian clients and were dealing with Canadian Credit Reports.
Bob 4 AnnaMalePhilippines2011-03-15 11:29:00
CanadaApplying for credit cards

That's great info, Brenda. Thanks. Nissan was able to pull my Canadian credit history also.

And +1 to Bob.

BTW, that's a little feature called "North American Link" and is only in place for Canada!
Bob 4 AnnaMalePhilippines2011-03-15 10:59:00
CanadaApplying for credit cards

Apply online and when you fill in your annual income put whatever you want.

I have 2 store cards (1 with 6k limit and 1 with 9k limit) and 5 credit cards.

Number 1 it will ask for your household income usually. Number 2 they decide based on your credit but the income you put down may have a slight influence. Number 3 they never check ever.

I usually put a little over $100,000 a year.

Then again if your credit history in the US is new / non existent then you will have some trouble.

You need to have your husband call customer service at his oldest credit card and add you as an authorized user. So if he has had credit since 2003 (8 years) then when they run your credit it will come up as you opening a credit card in 2003 with 8 years history....


This is full of bad advice.

First, it's actually a crime to lie on an application for credit. A little thing called fraud and people do get caught all the time.

Second, the whole "Add someone as an Authorized User" scheme has been closed by all three Credit Reporting Agencies. All current Credit Scoring Algorithms discount AU accounts as the User has no legal responsibility for them and in the past people would pay to be added to stranger's accounts as an AU for just this purpose.

FWIW, I've been working in the largest 3rd Party Credit Application Call Center in the US for 14 years. Most of the time (12 years) I've been the principal programmer for our Credit Reporting/Parsing and internal Scoring software.

Edited by Bob 4 Anna, 15 March 2011 - 10:21 AM.

Bob 4 AnnaMalePhilippines2011-03-15 10:19:00
CanadaNo Kinder Surprise Allowed!
As a teen I lived in Germany for about 3 years, I still miss the Kinder Eggs...
Bob 4 AnnaMalePhilippines2011-01-11 13:57:00
CanadaTraveling with AP
The biggest problem with AP is that if you have ANY overstay then you can't use it even though it was issued to you (you'd think USCIS would simply not issue AP to anyone with Overstay issues).

You don't have any overstay so your shouldn't have a problem as long as you can return in time for the interview (if needed).
Bob 4 AnnaMalePhilippines2011-07-01 13:19:00
CanadaCan Canadian wife enter on TN visa and then adjust status?
Follow the proper process filing an I-130 to sponsor her for a CR/IR-1 Visa. As long as she maintains strong ties to Canada she will be allowed to visit the US during the process.
Bob 4 AnnaMalePhilippines2011-07-05 08:18:00
CanadaBringing US car back into US
Its a car manufactured for use in the US to US safety & emissions standards.

It now has US plates (again) and the registration is US based as is the title.

There is no need to import it.
Bob 4 AnnaMalePhilippines2011-09-15 17:12:00
CanadaFilipino Tourist Visa

Well, to answer the questions this is for her to come to Canada.
...

So, we are using an agency for her to get a Tourist Visa to Canada.

This site's focus is immigration to the US.

You need to find a Canadian Immigration site.


Bob 4 AnnaMalePhilippines2011-11-03 12:29:00
Canadahealth insurance for Canadian children

im calling to revoke applications I hope we dont get in trouble now due to misinformed info,

Why, unless I misunderstand the above post CHIP is excluded from the Means Tested Benefits restriction...
Bob 4 AnnaMalePhilippines2012-02-10 22:43:00
Canadahealth insurance for Canadian children
If everyone applying for the benefits are US Citizens then it won't impact the immigration stuff in any way.
Bob 4 AnnaMalePhilippines2012-02-07 22:32:00
Canadahealth insurance for Canadian children

Getting food stamps/Medicaid/CHIP etc is not considered 'welfare'. Getting any cash assistance (TANF, SSI, or HUD is cash assistance) Whether they are your biological children or step children makes no difference. It does not impact your LPR status or when/if you apply for citizenship.

Actually Food Stamps is considered a "Means tested Benefit" and LPRs are not eligible for 5 years.

@OP, you should contact the specific programs as requirements and restrictions can vary from State to State depending on how the programs are funded. They will know if there are limitations regarding LPRs.


Bob 4 AnnaMalePhilippines2012-02-06 16:42:00
CanadaK1 Fiance Visa US to Canadian

His Country of Citizenship matters to cross the border, if his country requires a visa then as a Canadian permanent resident he would require the same visa

Did this change recently?

A several years back I was seeing a Canadian PR who was still a Chinese Citizen. She crossed the border regularly using her Canadian PR Card.
Bob 4 AnnaMalePhilippines2011-11-23 12:53:00
CanadaCdn niece

I suppose you could consider adoption depending on how long she would be living with you..

http://www.uscis.gov...000082ca60aRCRD

That's my only suggestion.

Adoption for Immigration purposes is considered immigration fraud and not allowed.

For related party adoptions the must be an orphan or both parents must be incapacitated thereby effectively making the child an orphan.


Bob 4 AnnaMalePhilippines2012-02-29 15:36:00
CanadaPlease Help!!! Totally lost about what to do
Greencard supersedes the Visa and Entry Stamp, you're fine.
Bob 4 AnnaMalePhilippines2012-03-08 16:50:00
CanadaUSC moving temporarily to US with kids and Canadian Hubby
Nope, you only legal option is Greencard.

On the plus side if you're here for 3 years then her can apply for US Citizenship and be able to freely travel between the two countries for the rest of his life.

Have you researched how living outside Canada for 3 years will affect your Canadian Residency?
Bob 4 AnnaMalePhilippines2011-07-08 18:19:00
Removing Conditions on Residency General DiscussionTen year Green Card trouble: Our evidence is "insufficient."
Okay, so you don't want to change you Driver's License to New York as you park your car in NC for insurance reasons. Why don't you and your wife get New York State ID Cards? These would contain your New York address.

Also, what about any mail you've received addressed to both of you? Heck I'd even send things addressed to each (as in only one) of you at the same address. USPS delivered items can be used to prove residence in many instances.

Also, you mentioned that you are living in a sublet. If you have a written sublet agreement then use that as a lease (it's the same thing with a different name). Be sure to include contact information for your landlord.

For the other times where there was no lease (family rent paid under the table), provide affidavitts that you both lived with family at such-and-such address and if you have mail addressed to each or both of you at those addresses it will help bolster your case.

Bob 4 AnnaMalePhilippines2009-09-15 12:40:00
Removing Conditions on Residency General DiscussionHusband Called Cops on me
Look into getting the marriage annulled based on your belief that it was a sham from the start.

If you can get it annulled then it may invalidate is legal standing as the basis for the Visa was a marriage that officially never existed.

Search Vj for discussions on the impact of an annullment on marriage based visa/greencard.
Bob 4 AnnaMalePhilippines2009-11-10 14:17:00
Removing Conditions on Residency General DiscussionI-751/N-400 Question
Actually the 3 years isn't just married to USC, it's 3 years as LPR & Married to USC. If not married to USC then it's 5 years as LPR... So you can't naturalize until May 2011 if your LPR date is May 2008.
Bob 4 AnnaMalePhilippines2010-01-06 17:19:00
Removing Conditions on Residency General Discussionplease help. AOS.

I am on a condtional resident for 2 years.


Then you are in the wrong place...

You need to file for Removal of Conditions...
Bob 4 AnnaMalePhilippines2010-01-14 14:06:00
Removing Conditions on Residency General DiscussionI was arrested? Got I-797E

the State had... instead of giving me the chance the cops took me and charged me with domestic battery. I had threw water on her and threw her cell phone on the floor. I guess i had the worst day of my life.

My wife is going to file an affdavit that we are still together As soon as my lawyer gets the the trial date I am going to send the the copy of the trail date to the California Service Center with the affadavit


I'm not making judgments about you or your case, just speaking in general.

I'd be surprised if the affidavit from your wife will persuade USCIS that there was nothing to the incident. The reason the State is pressing charges (your wife wasn't even given the option) is that it's not uncommon for domestic violence victims to recant and protect their abuser. If the police see evidence of a physical assault they are required by law to arrest you and it's automatic that the State is pressing charges on behalf of the victim.

Yes, throwing water on your wife constitutes a physical attack. Also, taking her cell phone {and trowing it} was probably perceived as trying to prevent her from calling for help.
Bob 4 AnnaMalePhilippines2010-01-14 14:25:00
Removing Conditions on Residency General Discussionadjustments of status is denied

Not correct. There is no deadline for filing the AOS. What exactly did the letter say. My guess is because you do not live together. babies are not evidence of being a legitimate couple, they are evidence someone had sexual intercourse.


He's not talking about AOS, he came here on CR-1 so he missed the deadline for Removal of Conditions...
Bob 4 AnnaMalePhilippines2010-01-14 19:18:00
Removing Conditions on Residency General Discussionadjustments of status is denied

but you were fairly adamant about the OP being SOL because he was late, when it is simply not the situation as you are not automatically SOL. There are several members who filed late and were still successful


I don't know that I was "fairly adamant", I simply stated it once and then uppercased the information regarding when the ROC should be filed.

At the least the OP is "behind the 8-ball" on this as they have already received a denial with the reason being that their application was received after the expiry of the conditional greencard and no compelling reason for the late application was provided.

From the fact that it says a compelling reason for the delay is required and it sounds like (yes an assumption based on there being no mention of having a good reason) it may have simply been sloth on the OP's part then my assumption based on what information was given would be that he is SOL with regards to getting the ROC denial reversed.

So moving on I would ask the following questions if I was in the OP's shoes:

1. What is my status?

My opinion would be that he is now out of status as his LPR Status is considered abandoned. He did enter legally but is accruing Overstay days since the expiry of his conditional greencard. Would that be correct?

2. How can I get my status back to LPR?

If my first opinion is correct then is it possible for the USC Wife to file a new I-130 (and other forms required) for him to adjust status back to LRP without leaving the US? I guess if this is possible then it would be his best bet as if approved for AOS he would receive the 10 year greencard since they have been married for 2 years.

Edited by Bob 4 Anna, 14 January 2010 - 04:42 PM.

Bob 4 AnnaMalePhilippines2010-01-14 16:40:00
Removing Conditions on Residency General Discussionadjustments of status is denied

Actually not, if you re-read the I-751 instructions, a late filed I-751 is not automatic grounds for denial.


I haven't read the instruction yet, we're 20 months away from filing for ROC and the form may change between now & then so I'm not spending time worrying about it yet (will download the current form in 19 months and file exactly 90 days prior to wife & son's expiry date).

Regarding the OP, the denial reason he was given was that it was filed late.
Bob 4 AnnaMalePhilippines2010-01-14 11:20:00
Removing Conditions on Residency General Discussionadjustments of status is denied

Exactly.... should have filed the I-751... I hope they did not file the I-485 as that makes some sense why it would be denied


Even if they did file the proper paperwork for Removal of Conditions, if it was received by USCIS after the Conditional Greencard expired then they are SOL as USCIS makes it very clear the ROC Application MUST BE RECEIVED PRIOR TO THE EXPIRATION OF THE CONDITIONAL GREENCARD which is why we are given a 90 window BEFORE this date to apply.
Bob 4 AnnaMalePhilippines2010-01-14 11:14:00
Removing Conditions on Residency General Discussionadjustments of status is denied
If you're here on a CR-1 then you never had to adjust status as your status was always Immigrant and you were issued a Greencard when you activated the CR-1 Visa at your POE.

Are you talking about being denied for Removal Of Conditions? That would make a lot more sense.
Bob 4 AnnaMalePhilippines2010-01-14 11:08:00
Removing Conditions on Residency General DiscussionGetting Married to Prove Marriage

My goal was to get a U.S marriage document acknowledging our foreign marriage certificate. When I went to the court they said U.S will acknowledge marriage license that is issued by any local or government authority ( including foreign countries). so I asked the clerk what I need to do if I lost/ got destroyed the marriage certificate and cannot be reproduced ?you can always come to the court and marry you wife again so we can issue a document. ? I will go to the court next week again to see if this can be done and I will update this post


Sorry but that clerk is an idiot...

You don't need a "US Document acknowledging your foreign marriage", you should have your marriage certificate which is recognized by the US Government (and all States) as a matter of international treaty.

Regardless of USCIS it's a good idea to have a few copies of your marriage certificate. How is it that you can't contact the region/place where your marriage is registered (in India I assume) and obtain new copies of the certificate?

Edited by Bob 4 Anna, 10 May 2010 - 10:51 AM.

Bob 4 AnnaMalePhilippines2010-05-10 10:49:00
Removing Conditions on Residency General DiscussionGetting Married to Prove Marriage
How about providing a document from your foreign wedding? US Government recognizes marriages abroad as legal marriage.

FWIW, not only must you prove that you're married but also that it's a bonefide marriage. This is where most mistakes seem to be made. Show proof of co-mingled finances, beneficiaries on life insurance, property in both names, bills in both names, proof of co-habitation and such.

YES YOU CAN .... THEIR IS NO LIMITATIONS OF HOW MANY TIME YOU CAN MARRY THE SAME PERSON .....


You can have as many ceremonial marriages as you please (even to different people).

For a LEGAL marriage you must sign a document swearing that you are not currently married.

If you do as planned be prepared for a denial.
Bob 4 AnnaMalePhilippines2010-05-10 10:30:00
Removing Conditions on Residency General DiscussionRemove condition, I am not in the lease!Help!

Yes, like my parents mail and, magazine subscription, health insurance papers, paystubs (not by mail though...but the address is our apartment).
I thought that one of the most important thing was to be on the lease or own the place together. Help!


Magazines are not good proof of domicile as they are sent bulk rate (library/book rate) and can't be forwarded.

Bank statements & utility bills are good as is anything that is send first class.
Bob 4 AnnaMalePhilippines2010-05-18 14:05:00
Removing Conditions on Residency General DiscussionRemove condition, I am not in the lease!Help!
You receive mail at that address, right?
Bob 4 AnnaMalePhilippines2010-05-18 13:31:00