A few months back I shared a quick guide on getting your credit score and full file from all 3 bureaus using just an ITIN. Here is the revamped version. Two ways to trigger the Equifax trial and get all 3 bureau scores in one place. Quick truth first: only Equifax accepts ITIN for online score access. Experian and TransUnion block ITINs on their own platforms. The cleanest workaround is to go through Equifax, because their paid plan unlocks scores and reports from all 3 bureaus in one dashboard. ⭐️ Step 1: Sign up with Equifax (free) - Go to equifax.com or download the Equifax app - Create a free account - Your free Equifax score shows up right away ⭐️ Step 2: Trigger the Equifax Complete Premier trial This is the part that gives you scores and full credit reports from all 3 bureaus inside one Equifax dashboard. Equifax Complete Premier costs around $20 a month, but there are two ways to grab the trial. Method 1: $4.95 trial in the app - Right after signup, the app will push you toward the paid plan - The default trial offer is around $4.95 for 30 days - Same access, same score, same reports, just a higher trial price - Good if you want it done in one tap and do not want to wait for an email Method 2: $1 trial via email - After you create your free account, watch your email inbox - Equifax will send you a $1 trial offer for the same Premier plan, usually within a week or two - Click the link in that email, not the in-app offer - You get the full 30-day access for $1 instead of $4.95 or $19.99 - Same plan, same features, just cheaper ⭐️ Step 3: Use it, cancel before day 30, repeat - Inside the dashboard, you can now see your scores and full reports - All 3 in one place (Equifax, Experian, and TransUnion) - Cancel the trial right away so this wont get renewed at full price - After the trial ends, repeat $1 trial - You can repeat this infinite times ⭐️ Why this matters for Cloud Residents Lenders pull different bureaus. Chase leans Experian, Capital One do all Three, lots of cards and loans pull TransUnion. If you only check one, you are missing a third of the picture.

Anyone looking for a US checking / savings account should check out Alliant, the process was pretty straightforward. I was drawn to Alliant specifically because they allowed W-8BENs at initial account opening, and you don't need to have a US address. They are explicitly NRA-friendly, so no in-person visits required either. The only catch is that you need to fill out a "paper" application instead of going through the online process. Here's the link to the form, which you can fax, mail, or send via the chat. I did it via the chat, I just said I wanted to submit a paper application and if they could please forward it to the back office. Documents I submitted: - Signed form (signed in wet ink and scanned) - Passport - ITIN letter - W-8BEN - Utility bill evidencing my street address as stated in the form Timeline: - 17 April – submitted documents via chat - 26 April – received email stating my debit card was shipped on 23 April - 27 April – called them to ask for my member number so I could setup online banking; details sent via secure email (account opening date was stated as 22 April) So overall it was a quick and hassle free process, I'll update this post when I receive my debit card!

Hi all, I have had my CO Quicksilver Card for a few days now. I am a foreign national and do not reside in the USA. I wanted to sign up for CreditWise—which is advertised by CO—but this is not possible with an ITIN. Where can I check my credit score?

Hi, I actually live in Germany, but I now have a US address and ITIN. I already have a few USD accounts, but payments to them are only possible via ACH and wire transfer. I'm looking for a US bank account to which I can also send money via SWIFT and where direct debit is possible. Furthermore, I can't travel to the US to open an account, so I'm looking for an online solution. Thank you in advance for any suggestions.