Pulaski

No, I believe you have put 2 and 2 together and come up with 5. ..... What it says on your SS card has no bearing on your credit score, and there is no reasons for the credit agencies to know or care about your visa status as it isn't part of your credit score. And if that is all you were saying I would agree.

But your visa status does impact the rate at which you might he offered credit and indeed whether you are offered any particular type of loan or credit facility, and your second sentence I quoted above conflate the two issues, and then reaches a conclusion which isn't actually correct.

md95065

I think that what is or is not on the SS card has changed over time so it probably depends on when it was issued.

My SS card dates from 1987 when I was on an H-1B visa and doesn't have anything "extra" printed on it.

hungryhorace

I agree.

What I don't agree with is:

1. What is written on your SSN making any difference;
2. What is recorded at the SSO having any bearing on a credit application.

Steve_

Look I'd post a copy of my credit report from Equifax if it wasn't so private. Nothing about immigration status on there. I got it directly from Equifax in writing, it's not from some stupid website.

Steve_

Not going to go through all the details again (they're here: http://britishexpats.com/forum/usa-5...n-only-898670/) but any SS card issued prior to 1996 was either a regular card if you were authorized to work or had "NOT VALID FOR EMPLOYMENT" printed on it. Back then even tourists could get them.

If you've never updated your records with the SSA at some point this will cause you a problem. For example if you're ever run through E-verify.

In 2003, Congress passed a law that allows the SSA to seize FICA contributions made by people still using SSNs issued after 2002 without work authorization.

Steve_

I'm not sure that's legal. It's definitely not legal in California. Give me an example. They can do it in relation to non-resident aliens but people who are resident in the US it's a bit complicated.

A US Govt. backed mortgage requires you to be a US citizen, that can have a bearing on things.

petitefrancaise

https://www.consumer.ftc.gov/article...rtunity-rights

"When You Apply For Credit, Creditors May Not...
Discourage you from applying or reject your application because of your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance.
Consider your race, sex, or national origin, although you may be asked to disclose this information if you want to. It helps federal agencies enforce anti-discrimination laws. A creditor may consider your immigration status and whether you have the right to stay in the country long enough to repay the debt."

rbackhouse

Nope. I got an FHA loan over 20 years ago and I wasn't a citizen

WEBlue

Could the rules have changed in the last 20 years? Didn't 2008/09 see a tightening of regulations?

hungryhorace

NO ONE IS DISPUTING THAT.

What I am, attempting (though you're not listening) to correct you on is that your record at the SSA factors into this. It doesn't.

petitefrancaise

No, you can still get an FHA loan as a permanent resident and also as a non-permanent resident with some restrictions
https://hudgov.prod.parature.com/lin...-FHA-financing

"Do borrowers have to be U.S. citizens to qualify for FHA financing?

United States (U .S.) citizenship is not required for eligibility. The lender must determine the residency status of the borrower based on information provided on the application and other applicable documentation. In no case is a Social Security card sufficient to prove immigration or work status.

A borrower with lawful permanent resident alien status may be eligible provided the borrower satisfies the same requirements, terms and conditions as those for U.S. citizens. The file must include evidence of the permanent residency and indicate that the borrower is a lawful permanent resident alien on the Uniform Residential Loan Application (URLA). The U.S. Citizenship and Immigration Services (USCIS) within the Department of Homeland Security provides evidence of lawful, permanent residency status.

A borrower who is a non-permanent resident alien may be eligible provided:
• the property will be the borrower’s principal residence;
• the borrower has a valid Social Security Number (SSN), except for those employed by the World Bank, a foreign embassy, or equivalent employer identified by HUD;
• the borrower is eligible to work in the U.S., as evidenced by the Employment Authorization Document issued by the USCIS; and
• the borrower satisfies the same requirements, terms and conditions as those for U.S. citizens. "

Nutek

I'm intending to go visit SS, as I can see there could be an impact as I get older and possibly have more dealings with them.

That said, I have never had an issue with obtaining credit (quite the opposite actually) or loans, or mortgages. Nor does it (or has it ever) appeared on my Credit Reports. It has simply never come up.

Card was issued in '96, if that makes any difference.

tonrob

As some of you may know, I have what may be construed as an unhealthy obsession with credit cards for the purpose of acquiring miles and points.

Mrs tonrob and I have been approved for a rather large* number of credit cards over the last 8 years and been declined for relatively few**. We both have "not authorized to work" on our SS cards as neither of us could ever be hooped to update this. Spans across all major and many (national) mid-sized banks, including a representation from WF.

* very large
** hardly any at all

rbackhouse

Doesn't look like it

https://mymortgageinsider.com/mortga...ork-visa-7634/

http://www.fhanewsblog.com/2011/05/f...enship-status/

hungryhorace

You continue to undermine your own assertion that a trip to the SSA is required to update a persons immigration status with the stuff you're quoting!

Please _stop_.