Strong datapoint for anyone building US business credit. I applied for the Ramp card and got approved for a $22,000 credit limit in around 3 hours. The process was much easier than I expected: No VPN. No document upload. No complicated forms. No long review. No back-and-forth. Just a simple application, and approval came through the same day. One interesting point: Ramp approved me for exactly the amount I requested. I asked for $22,000, and that is what they gave me. Looking back, I probably should have asked for more. Small regret there 🙂 And on top of the approval, they are also giving a $1,000 bonus gift. My takeaway: if your business profile and banking activity are solid, don’t be too conservative with the limit you request.

I recently opened business checking essentials with U. S Bank sort of trial . Sole Proprietorship account as i do-not have LLC snd no business need for LLC because of filing cost every year. Purpose of this Sole Proprietorship account - ACH transfer will deemed as direct deposit? Is this true ? . I can use Business Checking as payroll DD to my other account. Should i use Third party or normal ACH will be treated as DD. I funded this account with $$3000 credit card. Thanks @Ain - Cloud Resident for telling this wonderful idea. I got cash back in credit card account and it was treated as purchase not cash withdrawal But i am not able to do ACH transfer . Any restrictions if you know in US Bank on ACH withdrawal for new account. Spoke to Customer support but he was not sure and asked me to wait 3-4 days Although Zelle works . @Abdulrahman Mohamed any roadmap suggestions

Most ITIN holders assume they can't see their Experian credit file online without a Social Security Number. You can. Sometimes. Shoutout to @momo for surfacing this method here first. Here's the updated standalone guide. Go to Nav.com, sign up for the free plan. You'll enter your name, DOB, address, and ITIN. Nav runs an Experian soft pull for identity verification and you're in immediately. If not, you can always retry. Once you're in, here's what Nav shows you: - VantageScore 3.0 from Experian - Score Factors - Payment History - Debt Usage - Credit Age - Account Mix - Debt vs Income - Hard Inquiries count - Current Address - Former Addresses Debt Usage drill-down: revolving credit limit, usage percentage, total revolving debt. Account Mix drill-down: split into mortgage, auto, revolving, and other accounts. Inquiries drill-down: total inquiries vs how many actually impact your score. Summary page: date of your first credit account, total balance across all accounts, total minimum monthly payments. Downloadable full report in PDF. This is genuinely useful if you're building US credit remotely and want to see where Experian has you — especially before applying for new cards. Now the caveats, because this matters. Nav's ITIN access for Experian is hit or miss. Some get through on the first try. Others don't, no matter what. If Nav doesn't work for you, alternatives exist: - Experian credit report by mail - Experian through Equifax Complete Premier - Experian FICO 9 through the Bilt app One more thing: VantageScore is not FICO. Almost all lenders pull FICO models when you apply. Nav's VantageScore 3.0 is directionally accurate, but don't treat a 720 VantageScore as a guarantee you'll get approved. Use it to track trends, not to predict underwriting decisions. If you try Nav with your ITIN - drop a comment below.

- Whenever you buy a proxy, make sure it is either static, meaning it has a fixed IP address that you pay for, or, if it is dynamic, make sure to set the rotation time to the maximum, which is usually 60 minutes. This helps avoid rotation during the same session. Imagine setting up an application and, in the middle of it, your location changes from Missouri to NYC. Of course, that might get flagged. - Some providers offer an option called a “look-alike proxy,” which guarantees that when the proxy switches, you get a new IP in the same city. This makes the rotation look normal. - On PC, I usually run it using the Omega Proxy extension or AdsPower. - Some proxies deactivate payment gateways or banks by default. In this case, I usually use split tunneling, which allows me to open the website normally on an HQ proxy and only run the Stripe section through a different one. It works like a charm. If you have any questions drop it below, Glad to help and differently check the proxy section of @Ain - Cloud Resident

I have been using proxies for five years now, and I have tried different types of proxies with hundreds of payment gateways, so I know what works and what gets flagged. The best ones that have worked for us so far are SOAX and Decodo. SOAX requires a higher-tier plan, while Decodo offers pay-as-you-go options. “Okay, so I just buy it, use it, and I’m done?” Nope :) Here comes the most important step: warm it up! In order to get a clean IP that does not get flagged by every website you visit — something you may notice with Amazon and Google Search — you have to warm it up first. Go to Etsy, Rakuten, YouTube, Amazon, and similar websites. For example, log in to YouTube, browse Amazon, add things to your cart, and use it the same way you would use your own PC. This helps prevent the IP from getting flagged. Do not buy a proxy and then immediately go directly to the website you actually need to use it on. When you buy the proxy, make sure it matches your address, as this creates more positive trust signals. You should either get a mobile proxy or a residential proxy, because these are usually the highest-quality options. “But I saw X brand selling cheap proxies.” You have to understand that there are two types of proxy providers: 1. Providers that hack people’s devices, use them as a proxy pool, and sell access to other people. 2. Providers that source proxies legally through people who rent out their devices. So, in the same way some providers may lie to you about how their proxies are sourced, they may also lie about whether the proxies are mobile, residential, or data center proxies. Data center proxies are usually the lowest-quality option. Let me know below if you have any questions ? or interested in part 2 so I can cover difference between different types and some other softwares that might be helpful as well :)