Nov '25 • General discussion 💬
🚀 12-Month U.S. Credit Guide for Non-US Ecom Founders
1️⃣ Months 1-3: Set Up Foundations
- Get ITIN.
- Get EIN and DUNS number.
- Open secured/starter credit card (Capital One/BOA/FirstCard).
- Start net-30 vendors (Uline/Grainger).
🎯Milestone: ITIN/EIN active, bank operational, 1 card + 2 vendors reporting positive payments.
2️⃣ Months 4-6: Kickstart Scores
- Use credit card wisely (low utilization ~10%).
- Get added as authorized user (optional).
- Check Amex Global Transfer (if you have overseas Amex).
- Explore revenue loans (Stripe Capital or PayPal).
🎯Milestone: Personal FICO ready, D&B PAYDEX building.
3️⃣ Months 7-9: Unlock Unsecured Options
- Apply for 1-2 personal cards (Capital One, Amex).
- Target business card (Amex Gold or Wells Fargo)
- Track credit reports on D&B, Experian, Equifax.
- Boost bank deposits.
🎯Milestone: 2-3 personal cards, 1 business card secured.
4️⃣ Months 10-12: Boost Limits & Funding
- Go for Chase, Amex, or Wells Fargo business cards.
- Pursue LOCs and no-PG cards (Ramp, Divvy on revenue).
- Maintain low utilization on personal cards.
- Link with a business banker for approvals.
🎯Milestone: Multi-cards with high limits, ready for 6-figure LOCs
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🚀 12-Month U.S. Credit Guide for Non-US Ecom Founders
skool.com/itin
Helping non-US residents and business owners access US banking, credit cards, and ITIN - from anywhere.
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