I just got into Navy Federal. I'm wondering what I should open with them—like a pledge loan, secured card, business account, personal account, etc. If there's an area in the classroom on this, please let me know. I could do something like a $20,000 pledge loan if that will help me.

Just pulled my tri-bureau scores this week — actually. My ITIN was issued in December and my first CC with ITIN was 2 month ago in March. Quick note on the numbers: VantageScore 3.0, not FICO 8 or 9 (what most banks actually use). The underlying report is accurate; just a different scoring model. The point of pulling these is knowing where you stand at each bureau so you can apply with intent and avoid unnecessary denials. And being able to pull Experian and TU instantly online is a game changer. Here's the playbook that's actually worked for me: • MyFreeScoreNow — accepts ITIN, refreshes all 3 bureaus daily. Heads-up: $1 non-refundable activation fee for a 7-day trial, then it converts to paid if you don't cancel. Best single tool I've found even with the cost. • Nav.com — how I get my Experian report online with an ITIN (Experian.com doesn't accept ITIN at signup; their only direct route is calling for a paper report). • MyEquifax — pulls all 3, but only Equifax refreshes daily. Experian and TU update once a year there. Pro tip: if equifax.com rejects you online, message them on X — they sort it fast. - Some other tools that pulls Equifax report/score are: Tru, CreditKarma, MyFicoScore (Free plan) What doesn't work: MyFico's 2/3-bureau products (can't authenticate ITIN against Experian or TransUnion), and AnnualCreditReport.com online (mail-in only). Curious what others here are using — has anyone found a way to get Experian or TransUnion online without going through Nav, or MyFreeScoreNow?

Relay financial recently closed my account after using it for 1 year I already have Wise but I don’t like it. Mercury rejected my application Please advise which banks I can sing-up easily I have ITIN too

Most people think you need old LLC with business credit score and a stack of bank statements to get approved for a business credit card. That's not how it actually works. There are banks right now that will approve a brand new LLC on personal credit alone. - No income docs. - No revenue verification. - No accountant needed. If you're a Cloud Resident building your US credit with an ITIN, this is one of the fastest ways to stack business credit early - while your LLC is still fresh and before you have revenue to show. Here are the 5 banks doing it. Chase Cards: Ink Business Unlimited or Ink Business Cash They pull Experian. 12 months 0% APR on both. You can apply for 2 cards on a single hard pull. Limits go as high as USD 50,000 on a clean credit file. American Express Cards: Blue Business Plus or Blue Business Cash They pull Experian, but here's the advantage: if you already have any personal Amex relationship, subsequent business applications are soft pulls. You can test multiple cards without damaging your score. Starting limits typically are around USD 2,000. Wells Fargo Card: Signify Business 12 months 0% APR. You do need a 60-day relationship with Wells Fargo before applying. Most starting limits I've seen are around USD 10,000. Worth opening a business checking account now and letting it age. US Bank Cards: Business Triple Cash or Business Platinum They pull TransUnion. No prior relationship required to get approved. Currently offering 0% APR for 12 months - worth noting this is shorter than the 18-month promo they ran for years. Starting limits are usually small, around USD 3,000, but they tend to increase to USD 10,000 and above over time. Bank of America Cards: Business Advantage 0% APR for 7 months. They prefer applicants with a existing checking account - deposits over 90 days tend to unlock better limits. If you're planning ahead, park some money there first. Bottom line: if your personal credit is solid and your LLC is newly formed, you don't need to wait for business revenue to start stacking cards. These 5 banks are the real no-doc plays.

Hello Everyone So I applied for the RAMP charge card and Treasurey account after seeing @Ain - Cloud Resident post and got approved for a 12k limit with a 1000 sign-up bonus. The application was super easy but had to manually upload bank statements as they couldn't verify a 25k+ balance via Plaid. Basically, I use Fidelity business account as my primary and they weren't able to verify details via auto-connect. Anyways, so yeah, I got approved. I'm happy. @Ain - Cloud Resident the Goat