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Cloud Residents · US Credit

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4 contributions to Cloud Residents · US Credit
Residential Address
I have a relative who lets me use their home address, but their wife opens all my mail, and I find that uncomfortable. Is there a service I can use for a residential address?
0 likes • Apr 7
@Ain - Cloud Resident Always very kind.
0 likes • Apr 7
@Apple Service Thanks for the tip.
Keeping my ITIN active! 👋
I want to make sure my ITIN doesn't expire. Is it okay to file taxes with $0 income or just a small amount? Also, which online service do you recommend for ITIN tax filing? Looking for something easy and affordable... Let me know below.
0 likes • Apr 7
I've been using OLT since 2022. I report every year, and I even used my first report to change the address.
x2 credit cards and x2 checking accounts
Capital One and BOFA were the first two accounts I opened. I applied for checking accounts at both banks, and they each offered me my first credit card. I accepted the offer from C1, but I haven’t accepted the one from BOFA yet. My checking account at C1 gave me a Discover debit card, but a Mastercard credit card. At one point, C1 asked me to complete a security verification using my state ID. When I spoke with the risk manager, I explained clearly but politely that my only form of identification was my passport, so he accepted that and sent me a link to complete the verification. Since then, I haven’t had any problems with C1. I've had my ITIN for two years, but I've never applied for an account or a card—until now. In other words, without a credit history. I've never been to the U.S., and I'm from Costa Rica.
x2 credit cards and x2 checking accounts
2 likes • Mar 26
@Alfredo Diaz No, but my internet is from Starlink. I don't know if that will help at all
0 likes • Mar 26
@Eric M. NRA
Capital One & Chase "ID Wall" / Non-Resident Business Credit Strategy
Hi everyone, Building business credit for my US LLC (Non-Resident) and just hit a roadblock. Looking for data points on how to pivot. The Situation: • Capital One Platinum: Stuck on a generic "Sorry" error. Received a letter for Identity Verification (ID/Driver's License) but it explicitly says: "DO NOT SEND PASSPORT." • Chase Business: I have a Business Checking account with a 5-figure balance, but it’s only 2 months old. Applied for a Business Ink and got a rejection. • Current Progress: I already have a Fizz card and an ITIN, trying to build a solid score. The Conflict: As a non-resident, my Passport is my primary ID. Capital One seems to be a "wall" without a US Driver's License. Chase also seems to want more "seasoning" despite the high balance. Questions: 1. Has any non-resident bypassed the Capital One "No Passport" rule recently? 2. For Chase, is the 2-month history the main issue, or is it the lack of a personal FICO score? 3. Should I just pivot to Amex Business now since they are more Passport/ITIN friendly? Would appreciate any advice from those who navigated this without a US ID.
1 like • Mar 6
Q. 1. Has any non-resident bypassed the Capital One "No Passport" rule recently? // A.// Yes, A few weeks ago, I was asked for my state ID or driver's license. I sent my passport and a photo of my ITIN (showing my address and date of birth). The next day, I received a call to complete the verification process, and I explicitly stated that my only ID was my passport. They told me that was no problem and sent me a link to complete the verification with my passport.
1-4 of 4
Veny West
3
42points to level up
@veny-west-2284
Entrepreneur

Active 17d ago
Joined Mar 6, 2026
Costa Rica
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