Just a fun Fact if you have an ITIN you can also join NAVY FEDERAL

This is a powerful way to get the collection removed .Call the collection agency and ask:“If I pay this, will you delete it from my credit report?”Many agencies agree , and when a collection is deleted, your score can jump fast.

When paying your credit card , dont just pay the minimum , if its possible pay most of it and leave a small balance , its shows good payment and activity on your account.

How to get Limit Increases - Request CLIs after 6 months of low utilization + high spend - Use soft-pull CLI issuers aggressively (Amex, Discover, Apple, Navy Fed)

AU accounts are powerful: Ideal AU profile - 5+ years old - <3% utilization - No late history - Reports on all bureaus