USCIS Can Now Check Your Credit: What Couples Should Know

Can bad credit affect your spouse’s green card application?

USCIS recently updated Form I-864, the Affidavit of Support, to include authorization to request information from consumer reporting agencies. This means USCIS can now request credit information about the person signing the form.

Naturally, this raises an important question for couples: What happens if you have bad credit?

The good news is that having a low credit score does not automatically mean your spouse’s green card will be denied. However, this change makes it even more important to understand your financial situation and prepare carefully.

What Changed With Form I-864?

The revised Form I-864 authorizes USCIS to request information from consumer reporting agencies, including major credit bureaus such as Experian, Equifax, and TransUnion.

This authorization allows USCIS to obtain consumer-report information as part of its review. However, it does not necessarily mean USCIS will request a credit report in every case.

Can You Sponsor Your Spouse if You Have Bad Credit?

Yes, having bad credit does not automatically disqualify you from sponsoring your spouse.

There is no announced minimum credit score that every sponsor must meet. USCIS considers financial information and other relevant circumstances when evaluating a case.

The Affidavit of Support is intended to demonstrate that the sponsor has sufficient financial resources to support the intending immigrant. Income, household size, assets, and other relevant financial information may be important to this evaluation.

Having limited or no credit history also does not automatically mean you cannot sponsor your spouse.

Every case is different, and couples should understand how their individual financial circumstances may affect their immigration application.

What Can Couples Do Now?

If you’re preparing to sponsor your fiancé(e) or spouse, consider taking these steps:

• Review your credit reports. You can obtain free credit reports through AnnualCreditReport.com.
• Correct inaccurate information. If you discover errors, consider disputing them with the appropriate credit reporting agency.
• Review your financial situation. Understand your income, assets, debts, and the financial documentation needed for the Affidavit of Support.
• Seek legal guidance when needed. If you have significant financial concerns, an immigration attorney can help you evaluate your circumstances and prepare your case.

Watch: Can Bad Credit Affect Your Spouse’s Green Card?

In my latest video, I explain the new credit-report authorization, whether bad credit could affect your case, and what couples can do to prepare.

The Bottom Line

You do not need perfect credit to begin your immigration journey. However, understanding your financial circumstances and preparing a strong, well-documented case is more important than ever.

At Immigration for Couples, we help couples navigate the immigration process with clarity, confidence, and compassionate advocacy.