{"id":9295,"date":"2026-10-22T13:33:17","date_gmt":"2026-10-22T06:33:17","guid":{"rendered":"https:\/\/truonglegal.com\/vi\/?p=9295"},"modified":"2026-10-22T13:33:17","modified_gmt":"2026-10-22T06:33:17","slug":"form-i-864-moi-2026-uscis-duoc-quyen-kiem-tra-credit-report-nguoi-co-bad-credit-co-bi-anh-huong-khong","status":"publish","type":"post","link":"https:\/\/truonglegal.com\/vi\/form-i-864-moi-2026-uscis-duoc-quyen-kiem-tra-credit-report-nguoi-co-bad-credit-co-bi-anh-huong-khong\/","title":{"rendered":"Form I-864 M\u1edbi 2026: USCIS \u0110\u01b0\u1ee3c Quy\u1ec1n Ki\u1ec3m Tra Credit Report \u2013 Ng\u01b0\u1eddi C\u00f3 Bad Credit C\u00f3 B\u1ecb \u1ea2nh H\u01b0\u1edfng Kh\u00f4ng?"},"content":{"rendered":"

[vc_row css=”.vc_custom_1459506798851{margin-bottom: 100px !important;}”][vc_column offset=”vc_col-lg-9 vc_col-md-9″][vc_custom_heading text=”Form I-864 M\u1edbi 2026: USCIS \u0110\u01b0\u1ee3c Quy\u1ec1n Ki\u1ec3m Tra Credit Report \u2013 Ng\u01b0\u1eddi C\u00f3 Bad Credit C\u00f3 B\u1ecb \u1ea2nh H\u01b0\u1edfng Kh\u00f4ng?” use_theme_fonts=”yes” css=””][vc_custom_heading text=”Ng\u00e0y \u0111\u0103ng: 22 Th\u00e1ng 10, 2026 | Truong Law Firm, PLLC \u2013 V\u0103n Ph\u00f2ng Houston & Vi\u1ec7t Nam” font_container=”tag:p|text_align:left” use_theme_fonts=”yes” css=””][vc_single_image image=”8822″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1792650692999{margin-bottom: 25px !important;padding-top: 5px !important;padding-right: 10px !important;padding-bottom: 5px !important;padding-left: 10px !important;background-color: #92BBDE !important;}”]T\u1eeb ng\u00e0y 01\/10\/2026<\/strong>, Form I-864 (Affidavit of Support) ch\u00ednh th\u1ee9c \u00e1p d\u1ee5ng phi\u00ean b\u1ea3n m\u1edbi edition 08\/24\/26<\/strong>. M\u1ed9t trong nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng nh\u1ea5t l\u00e0 USCIS v\u00e0 B\u1ed9 Ngo\u1ea1i giao (NVC\/L\u00e3nh s\u1ef1) \u0111\u01b0\u1ee3c quy\u1ec1n y\u00eau c\u1ea7u b\u00e1o c\u00e1o t\u00edn d\u1ee5ng (credit report) v\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng<\/strong> c\u1ee7a ng\u01b0\u1eddi b\u1ea3o l\u00e3nh.<\/p>\n

Nhi\u1ec1u ng\u01b0\u1eddi \u0111ang lo l\u1eafng: \u201cN\u1ebfu t\u00f4i c\u00f3 bad credit th\u00ec c\u00f3 b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o l\u00e3nh kh\u00f4ng?\u201d<\/p>\n

Bad credit c\u00f3 t\u1ef1 \u0111\u1ed9ng b\u1ecb t\u1eeb ch\u1ed1i I-864 kh\u00f4ng?<\/strong><\/h3>\n

Kh\u00f4ng.<\/strong><\/p>\n

Hi\u1ec7n t\u1ea1i USCIS kh\u00f4ng c\u00f4ng b\u1ed1<\/strong> b\u1ea5t k\u1ef3 m\u1ee9c \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1i thi\u1ec3u n\u00e0o. \u0110i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c v\u1eabn l\u00e0:<\/p>\n

    \n
  • Thu nh\u1eadp h\u1ed9 gia \u0111\u00ecnh \u0111\u1ea1t 125% Federal Poverty Guidelines<\/strong> (ho\u1eb7c 100% n\u1ebfu l\u00e0 qu\u00e2n nh\u00e2n t\u1ea1i ng\u0169 b\u1ea3o l\u00e3nh v\u1ee3\/ch\u1ed3ng\/con).<\/li>\n
  • C\u00f3 kh\u1ea3 n\u0103ng duy tr\u00ec m\u1ee9c s\u1ed1ng cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh.<\/li>\n<\/ul>\n

    Credit report ch\u1ec9 l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 b\u1ed5 sung<\/strong> \u0111\u1ec3 vi\u00ean ch\u1ee9c \u0111\u00e1nh gi\u00e1 to\u00e0n b\u1ed9 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi b\u1ea3o l\u00e3nh, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh quy \u0111\u1ecbnh Public Charge \u0111ang \u0111\u01b0\u1ee3c si\u1ebft ch\u1eb7t h\u01a1n t\u1eeb cu\u1ed1i n\u0103m 2025\u20132026.<\/p>\n

    Khi n\u00e0o bad credit g\u00e2y kh\u00f3 kh\u0103n?<\/strong><\/h3>\n

    Bad credit s\u1ebd tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 b\u1ea5t l\u1ee3i n\u1ebfu k\u1ebft h\u1ee3p v\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c, v\u00ed d\u1ee5:<\/p>\n

      \n
    • Thu nh\u1eadp ch\u1ec9 v\u1eeba \u0111\u1ee7 ho\u1eb7c s\u00e1t ng\u01b0\u1ee1ng 125%<\/li>\n
    • Vi\u1ec7c l\u00e0m kh\u00f4ng \u1ed5n \u0111\u1ecbnh ho\u1eb7c m\u1edbi thay \u0111\u1ed5i g\u1ea7n \u0111\u00e2y<\/li>\n
    • C\u00f3 nhi\u1ec1u kho\u1ea3n n\u1ee3 x\u1ea5u, collections, charge-off<\/li>\n
    • T\u1eebng ph\u00e1 s\u1ea3n ho\u1eb7c b\u1ecb ki\u1ec7n \u0111\u00f2i n\u1ee3 trong th\u1eddi gian g\u1ea7n<\/li>\n
    • Kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 b\u00f9 \u0111\u1eafp<\/li>\n<\/ul>\n

      Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu thu nh\u1eadp cao v\u01b0\u1ee3t xa m\u1ee9c y\u00eau c\u1ea7u v\u00e0 vi\u1ec7c l\u00e0m \u1ed5n \u0111\u1ecbnh l\u00e2u n\u0103m, bad credit th\u01b0\u1eddng \u00edt \u1ea3nh h\u01b0\u1edfng.<\/p>\n

      Ng\u01b0\u1eddi c\u00f3 bad credit n\u00ean chu\u1ea9n b\u1ecb g\u00ec \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn?<\/strong><\/h3>\n

      \u0110\u1ec3 gi\u1ea3m r\u1ee7i ro, ng\u01b0\u1eddi b\u1ea3o l\u00e3nh n\u00ean chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng h\u01a1n b\u00ecnh th\u01b0\u1eddng:<\/p>\n

      B\u1eaft bu\u1ed9c v\u00e0 quan tr\u1ecdng nh\u1ea5t:<\/strong><\/p>\n

        \n
      • IRS Tax Transcript ho\u1eb7c t\u1edd khai thu\u1ebf \u0111\u1ea7y \u0111\u1ee7 n\u0103m g\u1ea7n nh\u1ea5t + W-2\/1099<\/li>\n
      • Th\u01b0 x\u00e1c nh\u1eadn vi\u1ec7c l\u00e0m chi ti\u1ebft (m\u1ee9c l\u01b0\u01a1ng, ng\u00e0y b\u1eaft \u0111\u1ea7u, v\u1ecb tr\u00ed)<\/li>\n
      • Phi\u1ebfu l\u01b0\u01a1ng 6 th\u00e1ng g\u1ea7n nh\u1ea5t<\/li>\n<\/ul>\n

        N\u00ean b\u1ed5 sung th\u00eam:<\/strong><\/p>\n

          \n
        • Gi\u1ea3i tr\u00ecnh ng\u1eafn g\u1ecdn v\u1ec1 t\u00ecnh tr\u1ea1ng credit (n\u1ebfu c\u00f3 l\u00fd do ch\u00ednh \u0111\u00e1ng nh\u01b0 b\u1ec7nh t\u1eadt, th\u1ea5t nghi\u1ec7p t\u1ea1m th\u1eddi, ly h\u00f4n\u2026)<\/li>\n
        • B\u1eb1ng ch\u1ee9ng t\u00e0i s\u1ea3n (ti\u1ebft ki\u1ec7m, nh\u00e0 c\u1eeda, \u0111\u1ea7u t\u01b0) n\u1ebfu thu nh\u1eadp s\u00e1t ng\u01b0\u1ee1ng<\/li>\n
        • Ch\u1ee9ng minh kh\u1ea3 n\u0103ng chi tr\u1ea3 th\u1ef1c t\u1ebf (sao k\u00ea ng\u00e2n h\u00e0ng, l\u1ecbch s\u1eed \u0111\u00f3ng h\u00f3a \u0111\u01a1n \u0111\u00fang h\u1ea1n\u2026)<\/li>\n
        • C\u00e2n nh\u1eafc s\u1eed d\u1ee5ng Joint Sponsor<\/strong> n\u1ebfu thu nh\u1eadp c\u1ee7a m\u00ecnh ch\u1ec9 \u1edf m\u1ee9c t\u1ed1i thi\u1ec3u<\/li>\n<\/ul>\n

          L\u01b0u \u00fd v\u1ec1 Credit Freeze:<\/strong>
          \nN\u1ebfu b\u1ea1n \u0111ang ch\u1ee7 \u0111\u1ed9ng kh\u00f3a credit (security freeze), h\u00e3y s\u1eb5n s\u00e0ng m\u1edf kh\u00f3a t\u1ea1m th\u1eddi khi USCIS ho\u1eb7c NVC y\u00eau c\u1ea7u. Vi\u1ec7c kh\u00f3a credit kh\u00f4ng li\u00ean quan \u0111\u1ebfn bad credit v\u00e0 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 m\u1edf d\u1ec5 d\u00e0ng.<\/p>\n

          L\u1eddi khuy\u00ean t\u1eeb Truong Legal<\/strong><\/h3>\n

          Form I-864 kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 \u201c\u0111\u1ee7 ti\u1ec1n l\u00e0 xong\u201d. V\u1edbi quy\u1ec1n ki\u1ec3m tra credit report m\u1edbi v\u00e0 vi\u1ec7c \u0111\u00e1nh gi\u00e1 Public Charge ng\u00e0y c\u00e0ng ch\u1eb7t ch\u1ebd, vi\u1ec7c chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.<\/p>\n

          N\u1ebfu b\u1ea1n ho\u1eb7c ng\u01b0\u1eddi th\u00e2n \u0111ang c\u00f3 v\u1ea5n \u0111\u1ec1 v\u1ec1 credit, \u0111\u1eebng ch\u1ee7 quan c\u0169ng \u0111\u1eebng qu\u00e1 lo l\u1eafng. H\u00e3y \u0111\u1ec3 lu\u1eadt s\u01b0 \u0111\u00e1nh gi\u00e1 c\u1ee5 th\u1ec3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro v\u00e0 \u0111\u01b0a ra ph\u01b0\u01a1ng \u00e1n ph\u00f9 h\u1ee3p (b\u1ed5 sung b\u1eb1ng ch\u1ee9ng, gi\u1ea3i tr\u00ecnh, ho\u1eb7c d\u00f9ng joint sponsor).<\/p>\n

          Truong Legal<\/strong> h\u1ed7 tr\u1ee3:<\/p>\n

            \n
          • \u0110\u00e1nh gi\u00e1 r\u1ee7i ro credit + thu nh\u1eadp<\/li>\n
          • So\u1ea1n gi\u1ea3i tr\u00ecnh t\u00e0i ch\u00ednh<\/li>\n
          • H\u01b0\u1edbng d\u1eabn chu\u1ea9n b\u1ecb b\u1ed9 h\u1ed3 s\u01a1 I-864 m\u1ea1nh<\/li>\n
          • T\u01b0 v\u1ea5n khi n\u00e0o n\u00ean d\u00f9ng joint sponsor<\/li>\n<\/ul>\n

            Li\u00ean h\u1ec7 ngay \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1.[\/vc_column_text][vc_column_text css=”.vc_custom_1792650740243{margin-bottom: 25px !important;padding-top: 5px !important;padding-right: 10px !important;padding-bottom: 5px !important;padding-left: 10px !important;background-color: #CCC0AE !important;}”]<\/p>\n

            C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p (FAQ)<\/strong><\/span><\/h2>\n
              \n
            1. \n
                \n
              1. Bad credit c\u00f3 b\u1ecb t\u1eeb ch\u1ed1i I-864 kh\u00f4ng?<\/strong><\/span>
                \nKh\u00f4ng t\u1ef1 \u0111\u1ed9ng b\u1ecb t\u1eeb ch\u1ed1i. Thu nh\u1eadp \u0111\u1ea1t chu\u1ea9n v\u1eabn l\u00e0 \u0111i\u1ec1u ki\u1ec7n ch\u00ednh.<\/span><\/li>\n
              2. USCIS c\u00f3 b\u1eaft bu\u1ed9c xem credit report c\u1ee7a t\u1ea5t c\u1ea3 ng\u01b0\u1eddi b\u1ea3o l\u00e3nh kh\u00f4ng?<\/strong><\/span>
                \nKh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi m\u1ecdi h\u1ed3 s\u01a1. H\u1ecd c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u khi c\u1ea7n \u0111\u00e1nh gi\u00e1 s\u00e2u h\u01a1n.<\/span><\/li>\n
              3. C\u00f3 m\u1ee9c \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1i thi\u1ec3u n\u00e0o kh\u00f4ng?<\/strong><\/span>
                \nHi\u1ec7n t\u1ea1i ch\u01b0a c\u00f3 m\u1ee9c \u0111i\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1.<\/span><\/li>\n
              4. N\u1ebfu \u0111ang b\u1ecb credit freeze th\u00ec sao?<\/strong><\/span>
                \nC\u1ea7n m\u1edf kh\u00f3a t\u1ea1m th\u1eddi khi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u. Vi\u1ec7c n\u00e0y ho\u00e0n to\u00e0n do ch\u00ednh b\u1ea1n ki\u1ec3m so\u00e1t.<\/span><\/li>\n
              5. N\u00ean l\u00e0m g\u00ec n\u1ebfu thu nh\u1eadp v\u1eeba \u0111\u1ee7 m\u00e0 credit l\u1ea1i k\u00e9m?<\/strong><\/span>
                \nN\u00ean chu\u1ea9n b\u1ecb gi\u1ea3i tr\u00ecnh, b\u1ed5 sung t\u00e0i s\u1ea3n, ho\u1eb7c c\u00e2n nh\u1eafc t\u00ecm joint sponsor c\u00f3 t\u00e0i ch\u00ednh m\u1ea1nh h\u01a1n.<\/span><\/li>\n<\/ol>\n

                Truong Legal<\/strong> \u2013 \u0110\u1ed3ng h\u00e0nh c\u00f9ng b\u1ea1n chu\u1ea9n b\u1ecb Affidavit of Support v\u1eefng ch\u1eafc trong giai \u0111o\u1ea1n quy \u0111\u1ecbnh ng\u00e0y c\u00e0ng th\u1eaft ch\u1eb7t.<\/span><\/li>\n<\/ol>\n

                [\/vc_column_text][vc_custom_heading text=”Services” font_container=”tag:h4|text_align:left|color:%23222222″ use_theme_fonts=”yes” css=”.vc_custom_1746656214880{margin-bottom: 27px !important;}”][vc_row_inner][vc_column_inner width=”1\/2″][stm_icon_box hide_title_line=”hide_title_line” icon=”stm-airplane” style=”icon_left” icon_size=”22″ icon_color=”custom” icon_width=”70″ title=”Consulting” title_font_size=”22″ title_line_height=”46″ icon_color_custom=”#ffffff” css=”.vc_custom_1746656237486{margin-bottom: 24px !important;}”]Let\u2019s start with a personalized consultation to help you understand your choices and what\u2019s required[\/stm_icon_box][\/vc_column_inner][vc_column_inner width=”1\/2″][stm_icon_box hide_title_line=”hide_title_line” icon=”fas fa-sort-amount-up” style=”icon_left” icon_size=”22″ icon_color=”custom” icon_width=”70″ title=”Document Preparation” title_font_size=”22″ title_line_height=”46″ icon_color_custom=”#ffffff” css=”.vc_custom_1746656260853{margin-bottom: 24px !important;}”]We assist with gathering and preparing all necessary sponsorship documents.[\/stm_icon_box][\/vc_column_inner][vc_column_inner width=”1\/2″][stm_icon_box hide_title_line=”hide_title_line” icon=”fas fa-university” style=”icon_left” icon_size=”22″ icon_color=”custom” icon_width=”70″ title=”Application Support” title_font_size=”22″ title_line_height=”46″ icon_color_custom=”#ffffff” css=”.vc_custom_1746656294017{margin-bottom: 24px !important;}”]We guide you step-by-step, from completing forms to submitting your application.[\/stm_icon_box][\/vc_column_inner][vc_column_inner width=”1\/2″][stm_icon_box hide_title_line=”hide_title_line” icon=”fas fa-donate” style=”icon_left” icon_size=”22″ icon_color=”custom” icon_width=”70″ title=”Legal Consultation” title_font_size=”22″ title_line_height=”46″ icon_color_custom=”#ffffff” css=”.vc_custom_1746656276680{margin-bottom: 24px !important;}”]Ensuring compliance with current immigration laws and regulations.[\/stm_icon_box][\/vc_column_inner][\/vc_row_inner][vc_custom_heading text=”Customers Feedback” font_container=”tag:h4|text_align:left|color:%23222222″ use_theme_fonts=”yes” css=”.vc_custom_1746656303429{margin-bottom: 27px !important;}”][stm_testimonials count=”2″ per_row=”2″ category=”base”][\/vc_column][vc_column offset=”vc_col-lg-3 vc_col-md-3″][stm_sidebar sidebar=”527″][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1459505959648{margin-bottom: -60px !important;}” el_class=”third_bg_color”][vc_column][vc_cta h2=”Need Legal Support? Contact Truong Law Office Today” h2_font_container=”tag:h2|font_size:20px|text_align:left|color:%23902926|line_height:24px” h2_use_theme_fonts=”yes” shape=”square” style=”flat” add_button=”right” btn_title=”Contact Now” btn_style=”flat” btn_color=”theme_style_1″ btn_size=”lg” btn_align=”right” btn_i_align=”right” btn_i_icon_fontawesome=”stm-amsterdam-arrow” css=”.vc_custom_1750228674206{margin-bottom: 0px !important;}” use_custom_fonts_h2=”true” btn_add_icon=”true” btn_link=”url:https%3A%2F%2Ftruonglegal.com%2Fvi%2Fcontact%2F|title:Li%C3%AAn%20h%E1%BB%87″ el_class=”third_bg_color”][\/vc_cta][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

                [vc_row css=”.vc_custom_1459506798851{margin-bottom: 100px !important;}”][vc_column offset=”vc_col-lg-9 vc_col-md-9″][vc_custom_heading text=”Form I-864 M\u1edbi 2026: USCIS \u0110\u01b0\u1ee3c Quy\u1ec1n Ki\u1ec3m Tra Credit Report \u2013 Ng\u01b0\u1eddi C\u00f3 Bad Credit C\u00f3 B\u1ecb \u1ea2nh H\u01b0\u1edfng Kh\u00f4ng?” use_theme_fonts=”yes” css=””][vc_custom_heading text=”Ng\u00e0y \u0111\u0103ng: 22 Th\u00e1ng 10, 2026 | Truong Law Firm, PLLC \u2013 V\u0103n Ph\u00f2ng Houston & Vi\u1ec7t Nam” font_container=”tag:p|text_align:left” use_theme_fonts=”yes” css=””][vc_single_image image=”8822″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1792650692999{margin-bottom:<\/p>\n","protected":false},"author":1,"featured_media":8822,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[98,80],"tags":[85,84,97,96],"class_list":["post-9295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-news","tag-cuoc-song-o-my","tag-di-tru-my","tag-dinh-cu-my","tag-luat-su-di-tru"],"yoast_head":"\nForm I-864 M\u1edbi 2026: USCIS \u0110\u01b0\u1ee3c Quy\u1ec1n Ki\u1ec3m Tra Credit Report \u2013 Ng\u01b0\u1eddi C\u00f3 Bad Credit C\u00f3 B\u1ecb \u1ea2nh H\u01b0\u1edfng Kh\u00f4ng? - Truong Law Firm, PLLC<\/title>\n<meta name=\"description\" content=\"Form I-864 edition 08\/24\/26 cho ph\u00e9p USCIS v\u00e0 NVC ki\u1ec3m tra credit report c\u1ee7a ng\u01b0\u1eddi b\u1ea3o l\u00e3nh. Bad credit c\u00f3 b\u1ecb t\u1eeb ch\u1ed1i kh\u00f4ng? C\u1ea7n chu\u1ea9n b\u1ecb g\u00ec \u0111\u1ec3 v\u01b0\u1ee3t qua? 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