Adjustment of Status - I-485

hello guys I am filing for my wife AOS. She is on student visa. I am really confuse regarding new I 944. I read some online articles and they created fear among us. Me and Wife do not medical insurance. We both are 29 years old and very healthy. She is on student visa so she is not eligible for work. I am living with my parents and wife total 4 household member. I had low income last year only 9000. so my parents are co sponsors with me. our total household income was 40000 last year. non of us have ever get any public benefits. my wife have no social number therefor she has no credit score. so how can i get credit report without SSN. my wife is not caregiver. she has graduation degree in nursing from india and she is fluent in English. so my question is does having no income and no credit score and no health insurance could become reason of denial or public charge? please guys help