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public charge is made in the totality of the circumstances black queen always remember you are braver than you believe poster and no one factor or consideration is outcome determinative for being found inadmissible

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determine the credit worthiness or risk of a person, and affect the terms of the credit the person is offered. DHS’s use of the credit report or scores focuses on the assessment of these debts, black queen always remember you are braver than you believe poster liabilities, and related indicators, as one indicator of an alien’s strong or weak financial status, so that in the totality of the circumstances and as part of all considerations affecting the alien, the alien is more or less likely to become, in the future, a public charge. DHS believes it is useful information in determining whether aliens are able to support themselves. However, DHS understands that not everyone has a credit history in the United States and would not consider the lack of a credit report or score as a negative factor. DHS also understands that the three main different credit

reporting agencies do not provide identical scores. DHS believes that the credit report and score are nonetheless sufficiently reliable to be useful in reviewing a person’s financial status in determining whether an applicant is likely to become a public charge. As the Consumer Finance Protection Board has said “A credit report generally is considered s reasonably reliable third-party record . . . for purposes of verifying items customarily found on a credit report, such as the consumer’s current debt obligations, monthly debts, and credit history.” Further, if the alien has a confirmed error on the report or score, USCIS would not consider the report a negative factor. USCIS will review the latest credit report and score provided by the alien. DHS notes that a credit report or score alone would not lead to an inadmissibility determination based on public charge because the assessment of