Build a Strong
U.S. Credit Profile
A Strong U.S. Credit Score Opens the Doors to Real Freedom.
As an international, building a U.S. credit score can feel out of reach — especially without a Social Security Number. But here’s the truth: with the right setup, structure, and guidance, you can unlock the U.S. credit system and access better banking, 0% financing, and premium lifestyle perks — completely legally, even from abroad.
This is the bridge we help you build. From Europe to the U.S. — credit first.
What’s the Difference?
In Germany and most of Europe, the SCHUFA score is the dominant credit system — focused on risk-avoidance and limited financial tools.In the U.S., your FICO score does much more: it opens the door to high-limit credit, premium perks, and 0% funding to scale your business or travel the world.
🇩🇪 SCHUFA
Germany’s credit system is conservative by design. SCHUFA focuses on minimizing risk, tracking missed payments, and discouraging excessive credit use.It’s reactive, rigid — and offers little room to leverage credit as a growth tool.
🇺🇸 FICO
In the U.S., credit is a gateway to opportunity. A high FICO score unlocks powerful tools: business credit cards, 0% funding, points & perks.It rewards smart strategy, long-term planning, and can be optimized to grow your financial footprint — even from abroad.
Why a Great U.S. Credit Score is a Game Changer
Your credit score is your financial trust signal in the U.S.It determines how much credit you can access, how low your interest rates are, and how many premium perks you unlock.
Why is a good credit score so important?
You Don’t Need a Social Security Number to Start Building Credit.
Your Fast-Track Timeline to U.S. Credit Access
LLC Formation (2-4 business days via expedited e-filing)
Your U.S. company is formed in record time — ready to access the American financial system.
EIN Approval (2-3 business days via IRS e-filing process)
Your business receives its official Employer Identification Number for legal banking & credit activity. Regular EIN Approvals take 1-2 months.
ITIN Approval (fast-tracked 6-9 weeks)
The key to unlocking your U.S. credit profile as Non-American — even without a Social Security Number. Regular ITIN Approval take 3-4 months.
First U.S. Card + Remote LLC Account
💳 Shortcut: Amex Global Transfer (home-country to U.S.)
Apply remotely for your first U.S. Amex & Secured Credit Card without traveling to the U.S.
We introduce you to our U.S. Partner Bank for your first remote LLC Business Bank Account with multi-currency and German IBAN.
Your U.S. Trip to Miami or Los Angeles
✈️ You’re now ready to travel to the U.S. and open real personal & U.S. business bank accounts.
We prepare and setup all bank appointments with our trusted and Non-American-Friendly bankers.
You leave the U.S. with verified bank accounts and credit cards from Top-U.S. Banks.
→ If LLC & ITIN already exist: this step can be done instantly.
Personal Credit Score Building Phase
📈 3+ personal credit cards opened.
Your U.S. credit score is now actively growing with every statement cycle. Usually our clients achieve a 700+ FICO Score after 6 months.
First Business Credit Card
Time to unlock business funding, rewards points & 0% offers — backed by your new credit history.
TCG Top U.S.-Cards
Capital One Venture X
Premium Capital One card for travel rewards and simplicity.
Chase Sapphire Reserve
Top-tier travel card with valuable perks and rewards.
AmEx Hilton Aspire
Premium Hilton card with unmatched perks and elite status.
AmEx Blue Cash Preferred
Earn high cash back on groceries, streaming, and transit.
Trusted by Ambitious Founders Around the World
The Credit Genius on KTLA News
The Credit Genius Client Experience - Bank Account Openings in Miami
How to build U.S. Banking & Credit as Non-Resident
Stop Letting Borders Limit Your Business.
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