This phase is where momentum starts to show. Phase 2 of ITIN credit building focuses on upgrading accounts, adding the right mix of cards, and keeping utilization and payments clean.
What Phase 2 looks like π
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Upgrade your Capital One secured card to unsecured
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Apply for Chase Freedom in person for stronger limits
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Add 1 to 3 American Express cards under one inquiry
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Build 5 to 6 total accounts with low utilization
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Maintain perfect on time payments
This stage is about structure and timing. When done correctly, scores rise and stronger approvals follow.
β‘οΈBe guided here.