Swipe credit card to be in the US
In the league of proposals set out for immigrants to be in the US, then another add up now is to show financial proofs. Only that immigrants will be allowed to stay in the US who will be able to provide enough financial papers. Financial proofs could be any such as past credit histories, health insurance. Let’s know more about Trump’s administration proposal of Swipe credit card to be in the US.
Agenda behind the proposed rule before granting US Citizenship
Kirstjen Nielsen secretary of the Department of Homeland Security justifies the signing of the proposal as the government doesn’t want that immigrant to be legal residents who are not financially strong and in the near future, they could become a burden on the economy that is can be declared as a Public Charge. Immigrants who are already in the US and have applied for the change of legal status are also under the radar of the proposal.
How credit history will help in declaring an immigrant as a Public Charge?
Credit history is the detail of an individual which tells the financial background, bankruptcies, lawsuit against an individual. Good Credit scores according to USCIS indicate that an immigrant is self-sufficient to sustain a healthy life in the US on his own.
For some Proposal is a big discouragement and for some, it is a long due proposal-
Immigration attorney Matt Cameron claim this proposal as cruel as this proposal will bring great discouragement for the immigrants who seek public aid. Doug Rand co-founder of an immigration assistance firm said that credit scores are not enough to tell the complete history of an immigrant and the financial sponsor of an immigrant guarantee that the immigrant will earn the required to sustain in the US. This proposal will do nothing but will increase the paperwork.
Director at immigration studies center Jessica Vaughan claimed that proposal is long due as the policy regarding Public Charge is way too lenient. She further added that there is no need to give political direction to the proposal, good credit scores of immigrants will do good to the economy
What about them who don’t have credit score till date?
According to ExperianEXPGY- most of the immigrant doesn’t have the credit score. For a credit history to build you need the time duration of 6 months at least. For this to start an immigrant under his name have to have a credit account which is done through a co-signing loan. Pre-paid debit cards can also be used in order create credit history with credit agencies.
What the proposal has to say?
According to the proposal if no credit scores are there to show immigrant can show the receipts of the bills paid and proof of no debt. This all will also prove that immigrant is self-sufficient.
The proposal also gives the authority to the officers of Department of Homeland Security to scrutinize immigrants if they are using public benefits or not and if they are using then check the period of usage should not exceed the allowed limit.
National immigration forum allowed only those immigrants to use the government aided programs who are living in the US from past 5 years and have attained the legal status in the US. An exception can be made by the Department of Homeland security officers for the immigrants who don’t have any job i.e. are jobless and for the immigrants who are just finishing their studies.
This is sure with the proposal of Swipe credit card to be in the US in circulation the confusion among the immigrants will increase and the pressure of creating the credit history and have a good score will increase. Women and children will suffer as the immigrant will now be reluctant to use the government aided benefits for women and children.