The price of every stage is already on this site, so a first call is about fit — not a pitch.
Stage 5 · The hinge
U.S. business and personal credit, built in the right order. The business credit build works from every country we serve. The personal credit path depends on where you're from — we'll tell you which route applies before you pay.
A free D-U-N-S number, vendor accounts reporting to the business bureaus, paid early. A Paydex score is typically achievable in roughly 45–90 days. Passport-independent — this works from every country we serve, with no Amex relationship required. Then: EIN-only fintech cards (Ramp, Brex, Mercury — each gated on cash balance and a genuine U.S. address), business card applications timed correctly.
ITIN where legitimately required, a card that reports to all three bureaus, verified reporting confirmed at month three, then clean history. 6–18 months to a usable personal score depending on your starting point. This is the default personal credit path for the majority of our clients worldwide.
If you hold a personal American Express card issued directly by American Express — not by a local bank under licence — and your country participates in the Global Transfer programme, you can transfer your card relationship to the U.S. This is the fastest legitimate route to a U.S. personal credit file: typically 3–6 months versus 6–18 months on the built route. Confirmed corridors: Australia, Canada, UK, Mexico, New Zealand, Hong Kong. Listed (unverified): Singapore, Japan, France, Spain, Italy, India, Taiwan, Argentina, Austria, Germany, Netherlands, Finland, Sweden. Always verify your country directly with Amex before relying on this route — programmes change without notice.
Check your country's GT statusCredit is the bridge between owning a U.S. company and owning U.S. businesses. A finished credit build is exactly what acquisition financing needs — which is why this stage qualifies you for everything above it on the ladder.
Flagged as high-risk? Read the playbookRead our independent guide on how to build US credit as a foreigner — it covers what to expect, what to watch for, and what the process actually looks like.
Read the guideWhich path are you on?
Do you hold a personal American Express card, and does the back of the card say it is issued by American Express — or by a local bank under licence from American Express? If yes and your country is in the confirmed or listed corridors above, you may qualify for Path A. If no, or if you're unsure, Path B is your route — and it works.
Check your country's GT statusPackages & pricing
Milestone-delivered: you see progress at every step, and fees map to work performed — never to promised outcomes.
What we never promise
We never promise a specific limit, score, or approval. The product is sequence and execution — issuers decide outcomes. Anyone guaranteeing you a credit number is not telling you the truth.