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What are you most interested in right now?
Vote below so we can make the community more useful and focus future posts, guides, and discussions around what people actually need. Choose the option that best matches your main goal right now: After you vote, comment with a little context about where you are starting from and what you are trying to accomplish.
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Welcome and Start Here
I’m US Finance Guide, the admin here. I created this community because there are a lot of people trying to access the US financial system without an SSN, but the information is scattered, confusing, and often incomplete. Some people are trying to open their first US bank account. Some are trying to build personal credit from zero. Some want high-limit credit cards or personal loans. Others are non-US founders trying to handle LLC banking, payment processing, business credit, or 0% business funding. This community is here to bring those conversations into one place. We’ll be sharing practical information, real experiences, approval data points, and step-by-step guidance around US banking, credit, ITIN guidance, personal loans, LLC banking, business credit, and funding. 1. If you’re here, drop a quick intro: Create a new post, so you can earn points and future access to courses... And introduce yourself and write... Where are you based, and what are you working on right now , banking, personal credit, business credit, funding, or something else? 2. Check out the classroom and the getting started course 3 Post in the community, share your data points, what worked, what didn't , struggles. Write your posts so they can help the whole community. Glad to have you here.
US Bank Account
Hi Everyone, I am new here. I already have an LLC & EIN setup but have yet to get an ITIN. I need to open a US bank account however I don't have many options since I am from the PH. Do you guys have any recommendations? Or any info for me to start?
NASA credit union cards
They have a pre-approval application with only soft pull and at the end they will tell you your limit which is cool There are several card themes to choose from and a couple of versions of cards, cash back and rewards. Before you accept , it will ask you if you want to do the hard pull. You will have 30 days to accept the offer. They don't seem to have soft pull requests in the website or app though, although some are reporting you can request this through the secure message system by specifying soft pull only. The preapproval works with ITIN numbers. Also note that there are some users reporting that they were approved with the pre-approval and then declined on the hard pull Let us know what limit you got !
Instalment loan credit builders
We want to have a good mix of credit types in our credit file, and that means both revolving and instalment type credit / loans And if you have a new credit file or thin file and don't have loans here are a couple of products that offer credit builder loans that aren't banks or credit unions Kovo and self.com Both have a monthly payment plan where you pay for a couple of years, get a loan for a couple of years. and then you get money back at the end. and they both report to all three credit bureaus monthly. How about you? any other credit builder loans providers that you have used and liked ?
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No SSN? US banking, credit cards, personal loans, business credit, LLC
banking & 0% funding for biz owners, immigrants and non-residents.
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