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Cloud Residents · US Credit

759 members • Free

8 contributions to Cloud Residents · US Credit
SDFCU application stuck - sponsor number required
@Apple Service I’m trying to apply for an SDFCU account and followed your recommendation. However, now they are asking me for a sponsor number. It sounds like I selected the wrong dude on the list. Has anyone run into this issue before and found a solution?
Paystubs are live, direct deposits next
StubSign is now live. A few weeks ago I mentioned the Direct Deposit and Paystubs section was coming to the Classroom. Today the paystub side is ready. The tool is called StubSign. If you are already Premium and Level 4, you can go set up your account and start using it now. What StubSign does If you own a US LLC/Business and pay yourself, you need proper income documentation. Not a spreadsheet. Not a transfer screenshot. Not something you have to explain. StubSign gives you earning statements tied to your LLC, with pay periods, gross pay, net pay, employer info, and pay history. Why this matters When someone asks for proof of income, it helps to have something structured and consistent that matches your banking statements and earnings. Of course, every bank, landlord, or issuer has its own review process and may ask for additional documents, but this gives you a much cleaner starting point. How this fits with direct deposits The paystub side is now live. The direct deposit side is separate. StubSign handles the documentation, your earning statements, pay history, and proof of income. The actual direct deposit methods and step-by-step guides are being added in the Classroom. One gives you the record. The other moves the money. They work together. Who has access right now • Premium members with Level 4 and above If that is you, go to stubsign.com and sign up using the same email linked to your Skool account. If you are not Level 4 yet, stay active in the community. Post, comment, ask questions, and check the leaderboard. Why I pushed this A lot of people have the same problem: they have a US LLC, they are making money, but they do not have a clean way to document income properly. This probably solves that part. StubSign is live now, and more is coming next. If you try it, drop feedback in the comments. See you in comments, Ain - Cloud Resident.
Poll
30 members have voted
Paystubs are live, direct deposits next
2 likes • 29d
Isn’t there a faster way? I mean we paid already.
0 likes • 28d
@Daniel Leon Glauert direct deposits unlock boni and most checking accounts are free with a couple of hundred direct deposits.
Travel rewards card BofA
Just wanted to share a success story: A friend of mine opened a Bank of America checking account in Miami on Monday this week with a brand-new ITIN and deposited $2,300. Today, Friday of the same week, he applied for the Travel Rewards card and was approved instantly with a $1,000 unsecured limit. I was really surprised how easy the whole process was. It’s actually a pretty good card too: no foreign transaction fees, a solid exchange rate, and 1.5% rewards on travel purchases. The rewards rate is not amazing, but for international use the no-fee setup is perfect.
1 like • 29d
@John Flack you mean your statement is physically in MA? Or you use a different address (this is a bad idea). Can’t you reach it online and print it out? It doesn’t matter where the other bank is located.
2 likes • 29d
@John Flack this shouldn’t be a problem. I opened accounts in Miami with a nyc address. Most of them won’t care, if he asks tell him a story why you are here now.
Credit Karma account impossible to create
I’m trying to create a Credit Karma account using my ITIN and U.S. address, but I keep getting the error that my information does not match the credit bureau records. Equifax also gives me an “NH” error. I’ve had a Firstcard account since May last year. I changed my address in February and the change was confirmed. Since then, I’ve also opened checking accounts and a Bank of America credit card using the new address. SoFi and True also fail because of ID verification issues. That was already happening before the address change and still happens now. It looks like there may be incorrect data in my credit files. How can I get my credit reports? Has anyone here ordered them by mail before? What documents do they usually require?
1 like • 29d
@Apple Service they are almost as useless as the support of equifax. It came out that their onboarding process relies completely on your equifax file, so when this is broken they can’t do anything.
1 like • 29d
@Philipp Hugentobler you got your reports with this form? It asks for SSN, they accept ITIN instead?
Get Florida Driving License
Hello all, I have noticed that its possible to get a Florida Drivers License or Identification Card depending on if your original license is recognized in the USA or not. I have found that you need the following documents but I was wondering if there is any guide on how to do everything exactly and on what to expect on the day. - Passport - I-94 printout - SSN ineligibility letter from the Social Security Administration (SSA) - 2 proof-of-address documents Moreover, I have heard that depending on on which DMV office you go it may be easier or harder to obtain the license, do not know how true this is. https://www.flhsmv.gov/driver-licenses-id-cards/what-to-bring/immigrant/ https://i94.cbp.dhs.gov/payment/document-apply https://i94.cbp.dhs.gov/home https://www.ssa.gov/locator Any info on if anyone in the group has obtained an ID or any guide would be amazing
2 likes • 30d
@Stefan S NY is in fact very easy. You just need your passport and any credit card with your name on it. No proof of address required 😉
3 likes • 30d
@Stefan S The document itself is valid for 8 years, but with a small remark with the end date of your visa (or esta). But for kyc it works 8 years.
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Manuel A.
3
38points to level up
@manuel-a-4560
Interested in Everything

Active 1d ago
Joined Feb 3, 2026
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