We want to have a good mix of credit types in our credit file, and that means both revolving and instalment type credit / loans And if you have a new credit file or thin file and don't have loans here are a couple of products that offer credit builder loans that aren't banks or credit unions Kovo and self.com Both have a monthly payment plan where you pay for a couple of years, get a loan for a couple of years. and then you get money back at the end. and they both report to all three credit bureaus monthly. How about you? any other credit builder loans providers that you have used and liked ?

if you need a usa phone number and want to use tello or redpocket but don't have esim capability in your phone... you can buy the 9esim device it is a sim card and you put in your phone and then after your phone can use esim like magic https://www.9esim.com/en

eTrade is a brokerage account that gives you a real usa account number, and you can transfer funds there, invest in the stock market , connect other accounts etc. And before many of our client were using it to pay bills seamlessly as well But this month we are getting reports that bill pay has died for ITIN holders. The feature is no longer active and it asks to start a real bank account. But doesn't allow ITIN holders to open an account either. Anyone else find the same with etrade ?

Hi everyone, I am Greek citizen now I am in US, California, a friend of mine recommend me this group and told me I can grow my knowledge and learn about us banking as a foreigner. I dont have ssn or itin yet but I would like to know where should I get started. I have the following: California drivers license and real ID Proof of address (more than 2) Chase and Wells Fargo debit card account. US phone number. I would like to learn, grow and help in this group and would appreciate if anyone can guide me where is the starting point and give me a guide. Thanks

They have a pre-approval application with only soft pull and at the end they will tell you your limit which is cool There are several card themes to choose from and a couple of versions of cards, cash back and rewards. Before you accept , it will ask you if you want to do the hard pull. You will have 30 days to accept the offer. They don't seem to have soft pull requests in the website or app though, although some are reporting you can request this through the secure message system by specifying soft pull only. The preapproval works with ITIN numbers. Also note that there are some users reporting that they were approved with the pre-approval and then declined on the hard pull Let us know what limit you got !