A US LLC needs a US address. Your registered agent address handles official state mail, but you also need a business address for bank applications, IRS correspondence, and day-to-day operations. A virtual mailbox service provides a real US street address, scans your incoming mail, and lets you manage it online.

This matters for non-resident founders for two reasons. First, many banks require a US business address on the application — a registered agent address may not satisfy this requirement at some banks. Second, the address type (CMRA vs. non-CMRA, residential vs. commercial) affects how banks and lenders assess your application.

This page compares the main virtual address services used by non-resident founders, based on data from their own websites checked in August 2026.

What is a CMRA?

A Commercial Mail Receiving Agency (CMRA) is a business that receives mail on behalf of others, regulated by the USPS. CMRAs are required to collect a notarized USPS Form 1583 from each customer before they can receive mail for them. The form authorises the CMRA to handle your mail.

Using a CMRA address is legal and widely used. Some banks, however, will not accept a CMRA address for business account applications — they require a non-CMRA commercial address or a residential address. This is worth checking before you choose a service.

Provider comparison

Provider notes

PostScan Mail

PostScan Mail identifies itself as a CMRA on its USPS Form 1583 page, stating: "As a Commercial Mail Receiving Agency (CMRA), PostScan Mail is required to collect a notarized USPS Form 1583 for each customer."

Monthly fees that have been incurred are non-refundable, per the terms of service: "Monthly service fees that have already been incurred, usage-based fees for services performed, shipping charges, carrier fees, government fees, and third-party costs are generally non-refundable."

No 30-day money-back guarantee was found on postscanmail.com — checked on the homepage, pricing page, and FAQ page in August 2026.

Anytime Mailbox

Anytime Mailbox is a marketplace platform — it connects you with individual operators (physical mailbox locations) who are the actual CMRAs. Anytime Mailbox itself explicitly disclaims CMRA status in its terms: "For the avoidance of doubt, Renter's selected Operator is Renter's CMRA, and under no circumstances will ATMB be deemed to be a CMRA as a result of any of the Services that ATMB offers or provides."

This distinction matters: the CMRA in your relationship is the specific operator location you choose, not Anytime Mailbox. The Form 1583 is filed with that operator.

All fees are non-refundable once paid, per the renter terms: "All fees for Services are subject to change at any time, and once paid, are non-refundable."

iPostal1

iPostal1's FAQ page returned a 403 during our August 2026 check. CMRA status and Form 1583 requirements could not be verified from raw HTML. The service is widely used and generally understood to operate as a CMRA marketplace similar to Anytime Mailbox, but we cannot confirm the specific terms from this check.

Earth Class Mail (now LegalZoom Virtual Mail)

Earth Class Mail has been acquired by LegalZoom. The earthclassmail.com domain now redirects to LegalZoom's virtual mail product page. The service operates as a CMRA: "a required U.S. Postal Service authorization form that allows a Commercial Mail Receiving Agency (CMRA), like Earth Class Mail, to receive mail on your behalf."

Pricing (as of August 2026):

• Starter: $29/mo — 1 address, 2 recipients, 5 items digitised/mo
• Essentials: $39/mo — 1 address, 5 recipients, 25 items digitised/mo
• Premium: $79/mo — 1 address, 20 recipients, 50 items digitised/mo
• High-Volume: $139/mo; Business MailRoom: $229/mo

LegalZoom offers a 30-day refund on the initial subscription purchase.

The service offers 53 real street addresses across 44 states, including addresses on Park Avenue (New York) and Market Street (San Francisco).

Registered Agents Inc.

Registered Agents Inc. is a registered agent service, not a virtual mailbox. Its address is your registered agent address — the address where official state and legal mail is received. This is different from a business mailing address.

The client agreement states that registered agent services are limited to receipt of service of process and forwarding of official correspondence. It is not a general mail handling service.

If you need a registered agent address for your LLC plus a separate business mailing address, these are two different products from two different providers.

The bank address question

Banks vary on what address types they accept. Some accept CMRA addresses without issue. Others require a non-CMRA commercial address or a residential address. Mercury, for example, accepts virtual mailbox addresses. Some traditional banks do not.

Before opening a bank account, check the bank's address requirements. If you are using a CMRA address, be prepared to explain it or provide a secondary address if asked.

See our US business bank account guide for the full picture on address requirements by bank.

All provider data sourced from provider websites, August 2026. Prices and terms change; verify directly before purchasing.

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US Business Credit Bureaus: What Non-Resident Founders Need to Know (2026)

When you build US business credit, your payment history is reported to business credit bureaus — not the consumer bureaus (Equifax, Experian, TransUnion) that track your personal credit score. The three main US business credit bureaus are Dun & Bradstreet, Experian Business, and Equifax Commercial. Each maintains a separate file on your business and uses different scoring models.

This page explains what each bureau tracks, what scores they produce, how to get your business listed, and what monitoring costs. All data is sourced from bureau websites, checked in August 2026.

Dun & Bradstreet (D&B)

D&B is the oldest and most widely referenced business credit bureau. Its identifier is the D-U-N-S Number — a nine-digit number assigned to each business entity. Many vendors, lenders, and government contractors require a D-U-N-S Number before extending credit or entering into contracts.

Getting listed: You apply for a D-U-N-S Number directly at dnb.com. The standard path is free. D&B states: "There is no charge to receive a D-U-N-S Number." Standard processing takes up to 30 business days. Expedited processing is available for a fee — D&B does not publish the price on the page; it states "for a small fee" and promises delivery within eight business days.

Scores D&B produces:

• PAYDEX Score — measures how promptly a business pays its bills, on a scale of 1–100. A score of 80 means bills are paid on time; above 80 means early payment.
• D&B Delinquency Predictor Score (DPS) — predicts the likelihood of severe delinquency.
• D&B Failure Score — predicts the likelihood of business failure.
• D&B Credit Limit Recommendation — a suggested credit limit based on the business's profile.

Monitoring: D&B Credit Insights® is available in tiers:

• Free: $0/mo
• Basic: $49/mo or $499/yr
• Plus: $149/mo or $1,499/yr

For non-resident founders: D&B's application process asks you to select "I have a U.S.-based business" — a US LLC qualifies regardless of where the owner lives. Non-US business locations are addressed separately. Foreign ownership of a US entity is not addressed on the pages checked.

Experian Business

Experian Business (also called Experian Business Information Services) maintains credit files on US businesses and produces several scoring products.

Scores Experian produces (verbatim from Experian's site):

• Intelliscore Plus℠ — ranges from 1 to 100. Experian states: "business credit scores range from 1 to 100."
• Intelliscore Plus V3 — updated model; Experian states the new scale "aligns with many consumer score scales ranging from 300 to 850."
• BusinessIQ Premier Profile℠
• Business Score Planner™

Getting listed: Experian's steps (verbatim): "Incorporate or form an LLC to ensure your company is seen as a separate business entity" and "Obtain a federal Employer Identification Number." Experian's file on your business is created when vendors and lenders report payment data to them — there is no separate registration step.

Monitoring: Experian's monitoring products (verbatim from pricing page):

• Business Credit Advantage℠: $199/yr (1 business; includes Business Credit Score, monitoring, and alerts)
• Business CreditScore Pro℠: higher tier (price not captured in August 2026 check)

For non-resident founders: Experian does not address foreign ownership of a US entity on its small-business pages. It does publish international business credit report products, but these are for reporting on foreign companies, not for non-resident owners of US entities.

Equifax Commercial

Equifax's commercial credit division is separate from its consumer division. It produces several scoring products under different names.

Scores Equifax produces (verbatim from Equifax's site):

• OneScore for Commercial (also "EQUIFAX ONESCORE FOR COMMERCIAL" and "OneScore™")
• Business Risk Scores
• MasterScore® v2
• Payment Index™
• FICO® Score (Equifax is one of the providers)

Score ranges: Equifax does not publish numeric score ranges on its HTML product pages. The pages checked (business-risk-score and business-credit-reports) do not state a range. Ranges appear in PDF product sheets, not on the public web pages.

Getting listed: Equifax does not publish a process for getting a business added to its commercial database. The closest published guidance is general: payment history reported by vendors and lenders creates the file.

Monitoring: Equifax routes business credit report purchases through third parties. Verbatim from Equifax's site: users who click "Order Report" are "redirected to a third-party site." Pricing: one-time report $49.99; monthly monitoring "starting at $39.99/month."

For non-resident founders: Equifax does not address foreign ownership of a US entity on its business pages. No guidance on non-resident owners was found on the pages checked.

How business credit files are built

Business credit files are built by vendors and lenders reporting your payment history to the bureaus. The steps that apply to non-resident founders:

1. Form your US entity and obtain an EIN. The EIN is the tax identifier that ties your payment history to your business file.
2. Get a D-U-N-S Number from D&B. Free, takes up to 30 business days standard.
3. Open vendor accounts that report to bureaus. Net-30 vendor accounts (Crown Office Supplies, Uline, Grainger, Quill) report payment history to D&B and sometimes Experian. Paying on time builds your PAYDEX score.
4. Open a business credit card. Cards that report to business bureaus (not just consumer bureaus) build your file faster. Some secured business cards report to D&B and Experian.
5. Monitor your files. D&B's free tier is sufficient to start. Experian's $199/yr plan adds monitoring and alerts.

The consumer bureau question

Many business credit products — particularly for small businesses and sole proprietors — also pull your personal credit score. This is called a personal guarantee. If you have no US personal credit history (common for non-resident founders), this can block approvals even if your business credit file is strong.

Building US personal credit alongside business credit is covered in our build US credit as a foreigner guide (replace the country in the URL for your specific guide).

See also: Amex Global Transfer country eligibility — one of the fastest paths to a US personal credit card for founders with an existing Amex relationship.

All bureau data sourced from bureau websites, August 2026. Scores, ranges, and pricing change; verify directly before relying on any figure here.

Independence note: Keystone Bridge Global has no affiliate relationship with any virtual address service mentioned here. All data is sourced from provider websites, verified August 2026.