Ralph's credit is bad, very bad, which is allegedly why he buys Nissan's - they are a car dealer which will extend credit to almost anyone... For a premium.
Just how bad is it - well here's what could be on his score:
Refusal to pay student loan repayments.
Problem gambler, this will tank your credit rating.
Felon, constantly being sued.
Needless to say, it's in the fucking toilet. I wouldn't be surprised if he struggled to get a phone contract - might explain why HMO was paying her phone plans until recently.
If Ralph was smart, he would minimise his outgoings and just save his income to buy a house somewhere cheap, but in a good neighborhood. Not a Yank, but you hear good stuff about Texas's property market. Plus, Ralph can earn money wherever he can get internet and away from baby. It's Ralph though, and if he was smart he wouldn't have student loans.
People born in the US obtain citizenship by birthright. This was something the recent UK PM had upon birth, and Rozy also has it. So she's not stuck in Mehiko, well not because of paperwork at least.