Credit strong is one of the credit builder products we recommend. There are two types. 1. Revolving credit - This is their Revolv product. This mimics a revolving credit line like a credit card or a revolving line of credit. You can add this to add to your credit profile another credit line and the higher amount plans will help you to show lenders you can handle higher credit limits and the aim is to leverage this to get real credit cards with higher limits. For thin profiles, any of the plans will help. Note that you can not actually use or spend the money in the credit line, it is just to build your credit report 2. instalment loans - these act like real loans. These are useful to build up the instalment side of your credit profile, especially if you will be going for loans in the future, like personal loans, auto loans etc. This proves that you can handle monthly payments for a loan and shows you can handle the amount of loan you choose. this is the Magnum and Instal products. Choose the amount similar to the real loan you want to get from a lender. Note, these are long term plays, you will also get a boost to your FICO score, if you decide to do them you should commit for at least 1 year and better is 2. They also report to all 3 credit bureau so it is good for building thin and new credit files. It is also good for credit repair. But also be aware, if you miss payments on these, they will give you missed payments on your credit report and be a net negative effect. So if you commit , make sure you can keep up the payments and pay on time. Here is the link to get started https://creditstrong.referralrock.com/l/3DAVID28/

We just had a client that applied for Pen Fed credit union which usually and used to accept ITIN numbers for account opening. This case started earlier in June and went through a couple of rounds of document submission. And was denied as their fraud department would only accept SSN card and not the ITIN letter. They phoned in and tried to go through a manager and say that the SSN card does not exist for ITIN holders and asked if they accept ITIN for accounts. and they said yes. So the departments are conflicting, one dept says SSN card is needed (but don't exist) and the other says ITIN is fine. Also, this client applied while credit report was new, we told him to wait another month but he wanted to try anyway... so maybe if the credit report is aged and established more, the SSN card will not be requested. Let us know your experience with Pen Fed and ITIN account opening.