USCIS will consider an applicant's credit report, credit score, debts and other liabilities as a factor in determining whether the individual is likely to become a public charge. A good credit report is considered a positive factor while a bad credit report is considered a negative factor.
Your score falls within the range of scores, from 670 to 739, which are considered Good. The average U.S. FICO® Score, 714, falls within the Good range.
Debt is a civil matter, has no impact to the green card petition as long as you meet the financial obligations and requirements.
– the higher your credit score, the more likely you'll be approved. And while it's still possible to be approved with a lower credit score, having a good or excellent score of at least 700 can boost your chance of success.
In other words, you'll likely need a score in at least the "good" range to qualify for an AmEx card. Other American Express cards will usually require even higher scores. According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score.
Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
A criminal record can be a significant hurdle in getting a green card. Certain crimes, classified as “inadmissible offenses,” can disqualify you. These include crimes of moral turpitude, such as theft or fraud, as well as drug-related crimes, prostitution, and violent crimes.
Four Years and One Day Rule
An applicant who is required to establish continuous residence for at least 5 years may apply for naturalization 4 years and 1 day after returning to the United States to resume permanent residence.
In some countries that use other models, like Canada, people could have a score of 900. The current scoring models in the U.S. have a maximum of 850. And having a credit score of 850 is rare. According to the credit reporting agency Experian, only about 1.3% of Americans have a perfect credit score, as of 2021.
Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 420 FICO® Score is significantly below the average credit score. Many lenders view consumers with scores in the Very Poor range as having unfavorable credit, and may reject their credit applications.
Family-Based Green Cards
If you have an immediate family member who is a U.S. citizen, you may be able to obtain a green card through them. Immediate family members include spouses, parents, and children who are unmarried and under 21 years of age.
The grounds of inadmissibility are found in Section 212(a) of the Immigration and Nationality Act (I.N.A.) (or 8 U.S.C. § 1182(a).) They include various crimes, along with other things like communicable diseases, past immigration violations, and the likelihood of needing government financial assistance.
If you completed Form I-864, I-864A, or I-864EZ submit an IRS tax transcript from the most recent tax year, which NVC can process more efficiently than a copy of a tax return. Alternatively, you may submit a complete copy of a filed tax return from the most recent tax year.
Green card holders maintain status as a permanent resident no matter what future changes may be made to U.S. immigration laws. A green card is not temporary, and can not be revoked with potential changes to immigration laws.
What Does the 7-Year Rule Do? If passed, the 7-Year Rule would allow the Department of Homeland Security (DHS) to upgrade the immigration status for more people in the United States. Currently, the department can do this for some immigrants but in a smaller number of circumstances.
Effective Sept. 10, 2024, U.S. Citizenship and Immigration Services automatically extended the validity of Permanent Resident Cards (also known as Green Cards) to 36 months for lawful permanent residents who file Form I-90, Application to Replace Permanent Resident Card.
If you are currently in removal proceedings, you are ineligible to apply for a green card from within the United States. If you originally entered the United States on a K-1 fiancé(e) visa sponsored by a different partner, but did not marry that person, you generally won't be able to apply for a marriage green card.
Of these, the United States Citizenship and Immigration Service (“USCIS”) approves about 88% and denies 12%. The denial rate has been relatively consistent over the past four years.
To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.
For cards such as the Amex Platinum and American Express® Gold Card, for example, you'll need good to excellent credit — usually a score of 680 at a minimum. There is anecdotal evidence of applicants with scores as low as the mid-600s being approved, but that's rare.
The truth is, there's no universal “starting credit score.” While the lowest possible FICO score is 300, this isn't where you start. Instead, if you haven't started using credit yet, you have no credit history and no credit score — also referred to as unscorable or credit invisible.