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Showing content with the highest reputation on 11/05/12 in all areas

  1. 2 points
    Wrong! You need a SSN to apply for a credit card.. And you DO NOT start with a 700 credit score, it takes years to build and establish good credit!
  2. 1 point
    C_Air23

    State ID's and DL's validity

    So I got both my state ID and DL in California and my Cali ID is valid for 6 yrs n exp in 2018 and California Drivers License valid for 5 years and expires in 2017... Please make this a post on how long the validity of your DL's and State ID's are valid for each state. I'm curious because I heard that DMV will issue state ID n DL based on the exp date of your EAD...which wasn't the case for mine. Thank you! FYI: My state ID came in the mail 11 days after I applied and my Drivers License came in at exactly 7 days/a week from when I passed my behind the wheel driving test. So just in case you guys are wondering on how long the waiting period is for these ID's.
  3. 1 point
    Just got my approval text! FINALLY! On November 5, 2012, we ordered production of your new card. Please allow 30 days for your card to be mailed to you. !!!!
  4. 1 point
    pswa83

    Elections!

    i honestly dont think that Obama is to blame for the Dream Act not passing. It was stopped in the Senate by Republicans. What needs to happen is that more Democrats need to be elected into the Senate so that the Dream Act does pass. Then and only then can it be given to Obama for him to sign into law. Seeing how I cant vote, I still want Obama to win because Romeny is WAY to conservative for America and his "ideas" for America do not sound like good ones.
  5. 1 point
    there is no FAST and EASY way to build credit. it takes time and patience and VERY VERY good money management. it also takes a lot of responsibility. if you plan to open a credit card, buy things, then not pay for what you bought, you're basically stealing. this is one article that i read when it come to establishing credit. i think it's useful. http://www.ehow.com/how_4613092_establish-credit-fast.html
  6. 1 point
    JoseG

    Approvals for deportation orders

    30 business days since Biometrics, and yes, there have been approvals from people with final orders of deportation. http://dreamact.info...ead.php?t=31553
  7. 1 point
    Sorry but I disagree..I think it takes years to build a decent credit score...
  8. 1 point
    itzel

    drug test?

    Theres no drug test for the biometrics but... When you apply for jobs, some of these places have mandatory drug checks..might as well start clearing the system...
  9. 1 point
    Here is some information I found that tells you what some of the things are that your credit score is based on. 1. Payment history 35%- It's important that whatever bill you may have to PAY ON TIME. Even bills that you may pay every month doesn't always show on your credit until you don't pay and become delinquent and then they'll report you. At one point in time, rent, utilities, car insurance, cell phone bills, were not reported as items to build credit. But that's changed, thanks to PRBC. PRBC allows you to self enroll and report the payments I mentioned along with others as a way to establish credit. By enrolling and having your monthly payments verified for a fee and reported after a year, you could qualify, for a mortgage! 2. Amount owed vs. available credit 30%- It's important that when you have credit cards, you don't use all of your available credit. You should use no more than 30% of your combined available credit from all your credit cards. 3. Length of time establishing credit 15%- The older the accounts, of course the better. but since you just got your social security number normally that would be rather hard. I do however have an idea that would help you get some established credit 100% legally. If you have a close friend or family member with excellent credit, ask them to add you as an authorized user on one or two of their oldest credit cards in good standing. They can keep and destroy the card that would be in your name as this would only be for reporting purposes only. Ideally the type of account that would be established for 3 years or more, with a high credit limit, low balance(30% or < the available credit), and a perfect payment history. If you're able to do this, once you're added the activity from that account will reflect on your report giving your score a boost. 4. Types of credit established 10%- The scoring system's designed to where 3 revolving (credit cards) and 1 installement (car loan, mortgage, furniture, appliance loan) would make for a fairly balanced mix of credit. You shouldn't load up just on all credit cards. Mix the different types of credit up if you can. The easiest credit card to get would be a secured credit card. A way to think of this would be as building credit with a savings account, because that's pretty much how it works. You put a deposit upfront that's usuall tied to a savings account to get the same amount of the deposit in a line of credit. The deposit doesn't pay for anything your charge or the minimum payment you may pay each month, unless you become so delinquent and the account's charged off and they use that deposit to offset the cost. But if you're wanting to build excellent credit you're not wanting to let that happen. 2 advantages of secured cards are that you can control the credit line by adding to the deposit to increase it instead of having to request for approval for an increase and the deposit is gathering interest while you're building credit. As long as you make your payments on time keep the balance < 30%, usually after a year the deposit is no longer needed and refunded back, and either the card converts to a regular unsecured card, or a better card is offered. I posted a link to Orchard Bank, which is a good place to start out building credit. You may get approved for a regular one with a small limit, and if all else fails, they offer secured cards to start out with. 5. Inquiries and New accounts vs. Established accounts 10% Each time that you apply for credit, your score drops up to 5 points, and if you're approved for the account, it can take up to a year for your score to reflect that increase. Also you want to apply sparingly, as multiple inquires in a short period can be seen as a red-flag to lender which give them the impression that you're desperate for credit. By becoming an authorized user, that satisfies having an established account which will attract potential creditors to give you and extend credit.
  10. 1 point
    angela

    Planning after approved DACA

    Hi Marlivil, Reading your post took me aback a couple of years ago when i finished my bachelors. I was feeling the same way, that my degree was just a piece of paper. And totally considered moving to a different country. I was looking at Canada, UK, and Australia, and some Scandinavia countries. Even with a degree, it is difficult. Most require at least a year or two of paid work experience (which I couldn't attain in the US) or an advanced degree (master, phd). So in hopes to have a chance elsewhere I continued to do a master. It totally drained me, of money and energy. This past May when I finished the master, I was ready to pack my bags, when my husband (international student) got a job in Cali. So I figured i'll stay with him in Cali while job hunting abroad, when suddenly my mom called me with the news she saw on TV. I was so happy and full of hope. If it weren't for the job in Cali, I may have left and missed this chance. So I really think that things are meant to be. I feel that dreamers may have a tough path to follow, but honestly I think we aim much higher. All my friends that were or still are in our situation have tried to much harder than my friends that had no uncertainty about their future. Even my friends that did not go to college; they have been much more aggressive about finding a good business or learning a trade and really standing out in the whatever field they chose. I never really expected a green card, not even with Obama on his first term. I really hoped for it, but thought too unlikely. I am a bit of a pessimist sometimes. But for his second term, for the first time I have a bit of real hope. I think if Obama is re-elected the dream act may pass. I honestly think he is the better (much better) candidate for the country as a whole in the economy, health, social issues, women's rights, foreign policy ...ect, but now also specially for the dreamers
  11. 1 point
    JamRock

    Coming Out Once APPROVED

    I don't think it will change a thing. Once approved, I will continue to live my life in more fulfilled way but I personally don't think it warrants me to tell anyone anything if it's not their business meaning that the person who wants to know is not a well wisher or I'm not close to them like that. Ironically, I help other DACA students with their apps and although sometimes I want to share my own story, I can't mostly because it's a professional environment. In my view, the people who didn't know before don't need to know now.
  12. 1 point
    Rudy

    How long after Biometrics to get approved?

    Hey Guys... I've just noticed, this is not a first come first serve.... I took my Bio on Oct., 1st and still haven't heard anything of my approval. On the other hand, my wife took her Bio on Oct., 4th.. at the same office i did...and she already got her approval today... So as i read on other threads that it all depends on takes your case... Oh by the way... this is my first post in this forum and all forums....
  13. 1 point
    EnJR

    Planning after approved DACA

    I'm also glad about this new opportunity and I think most of the people who qualifies for this new policy feel like they should be given the privileges permanent residents have since we were mostly raised here in the US and it's the only country we really know. And to me, the fact of renewing the EAD every two year does not cut it for me either but as @Itzel said, it's step by step and we have to be glad we were granted this opportunity. PS: I CANT WAIT FOR MY APPROVAL !!
  14. 1 point
    itzel

    Planning after approved DACA

    I understand that we all want MORE but I feel we must still be aware that this step, DACA Approval, is at least 1 step towards our long term goal, being able to be legal in a country we know as "home". We must walk, before we jog and ultimately run towards the finish line. I believe its best to wait just a little after whoever wins the election to see where we are heading, hopefully Obama winning, he will keep his promise and grant us the DREAM Act. I find it tedious that we'd have to every 2 years be renewing the EAD, the SS card and in TX, the DL. But, I shouldnt really complain, after all, Ill finally be able to feel "normal" and work.
  15. 1 point
    Rawf

    Planning after approved DACA

    I'm planning to initiate my permanent residency documents as soon as I can and consult with an attorney. The 2 years work permit is very nice, but limited and it just doesn't cut it for me. Don't get me wrong, I'm very glad this opportunity was given and I will do my best to do what I can to better myself with it.. but my plans surpass the two years and some of them require more than a temporary solution. I may sound selfish, but I've been in the US for so long, raised here and this is the only country I know. I want the opportunities everyone who are permanent residents have at the moment as well and to have that I need to work even harder.