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Stage 6 · The hinge · Partner-delivered
ITINs are no longer automatically connected to your credit file. Without a manual, certified request to all three bureaus, the credit you're building may not report at all.
Under current policy, an ITIN is no longer auto-linked to a consumer credit file. That means a non-resident can do everything right — open accounts, pay on time, keep utilization low — and still have nothing report, because the bureaus never connected the activity to a file. It's a real, current gap that most formation and credit shops don't even mention.
We prepare and submit certified linking requests to Experian, Equifax, and TransUnion on your behalf, with the documentation each bureau requires, and follow up after 30 days to confirm your accounts are reporting. Done-for-you, in your own name, fully disclosed.
This slots directly into the Credit Engine: build the accounts, then make sure they actually count. It's included in the Credit Engine+ bundle and available à la carte for founders who already have ITIN credit activity that isn't reporting.
Read our independent guide on the ITIN process for non-US founders — it covers what to expect, what to watch for, and what the process actually looks like.
Read the guideFees & structure
Certified requests to Experian, Equifax, and TransUnion, with documentation and 30-day follow-up. Delivered through our vetted partner network.
What we never promise
We never promise a score, a limit, or a bureau's processing time. We control the submission quality and the follow-up — the bureaus control their own files.