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?

Hey guys, I applied for Capital One a couple of months back, and my account got flagged. I’m not sure of the exact reason, but I was restricted from completing the account opening process. They had already sent me a card, but I wasn’t able to use it. They were asking for a U.S. government ID and proof of address. I wasn’t able to unlock the account, so I decided to go to the U.S. and stop by a Capital One branch. Honestly, I thought there was no way they’d be able to help since I don’t have a driver’s license or U.S. ID, but luckily, a rep was able to lift the restriction in person. So thats one option to go about it. For those with a similar situation.

Help! I've been getting a juicy offer that I don't know if I can actually take. The offer: 15K MR on $4K spend, per employee card, max 5 ECs now require SSN to activate apparently per chat/phone reps. All say NRA ECs not possible without SSN Ironic bc as a primary card holder, I only needed passport, ITIN and proof of address. Something doesn't make sense. Is there a work around?

signup bonus: 150k UR (was 125k before the bump)

What bureaus do Cap1, Chase, Citi Bank, AE pull?