For non-U.S. business owners looking to get access into the American financial system.
Get Your ITIN In As Little Than 12 Weeks With The American Credit Kit.
Get Your ITIN In As Little Than 12 Weeks With The American Credit Kit.
For non-U.S. business owners looking to get access into the American financial system.
…Without lifting a finger, going through complicated paperwork, or even relocating to America.
🔊 Make sure your sound is turned on
What Is
The American Credit Kit?
The American Credit Kit is the fastest way to get access to an American ITIN as a non-U.S. citizen.
Because let's face it…
You’ve seen how billionaires like Elon Musk, Bill Gates, Jeff Bezos build their wealth…
And that is by LEVERAGING one of the most powerful financial systems in the world…
The American credit system.
Now…
Maybe you believed that getting access to American credit as a non-U.S. citizen is off-limits…
Maybe you’ve watched some “beginner-friendly” YouTube tutorials…
Or maybe you’ve read outdated forums hoping to figure it out…
And it’s left you with ONE big question:
“How do I even get started?”
That’s the part no one talks about.
Getting access to American credit (Yes, even an AMEX) is actually a simple step by step process.
…if you know what you’re doing.
And that’s why the American Credit Kit exists.
Because the first step to getting access to American credit is getting your ITIN.
My team and I have eliminated months of complicated paperwork, confusion and wasted time for you.
Instead with our proven DFY service low ticket plan you’ll get:
✅ The simple 4 step process that my team and I use to help you get your ITIN in as little as 12 weeks (without dealing with complicated paperwork, relocating, or changing your citizenship)
✅ The little almost-unknown secret for how to build your credit and banking score while waiting for your ITIN. (you’ll know exactly how to position yourself for higher credit limits.)
✅ PLUS…A FREE call with my credit specialist, who will give you actionable steps to help you move forward in getting U.S. credit once your ITIN is in hand.
And the best part?
My team and I will do all of this for you in little as 12 weeks.
I’m not giving you another lengthy course…
Or telling you to “figure it out” yourself.
Nope.
Because after having more than 5+ years of business experience…
And helping dozens of non-U.S. citizens…
Get their ITIN.
Build their credit history.
Set up real banking relationships.
And finally unlock AMEX and other premium cards.
I know exactly what works and what doesn't.
You see…
The top 5% of business owners value time over everything else.
That’s why I’m personally committed to helping you get your ITIN fast…
Because not only my team is IRS certified but we do have a whole squad in Miami with 30 specialists ready to support you.
And once your ITIN is in your hands…
Getting access to American credit cards becomes the easy part.
You’ll finally be in a position to build wealth, leverage capital and scale your business faster…
All through the U.S. system.
So if you're ready to enter the world’s strongest economic system…
Just click the button below to finalize your order.
My team will personally reach out and get the process started.
What Is The
American Credit Kit?
The American Credit Kit is the fastest way to get access to an American ITIN as a non-U.S. citizen.
Because let's face it…
You’ve seen how billionaires like Elon Musk, Bill Gates, Jeff Bezos build their wealth…
And that is by LEVERAGING one of the most powerful financial systems in the world…
The American credit system.
Now…
Maybe you believed that getting access to American credit as a non-U.S. citizen is off-limits…
Maybe you’ve watched some “beginner-friendly” YouTube tutorials…
Or maybe you’ve read outdated forums hoping to figure it out…
And it’s left you with ONE big question:
“How do I even get started?”
That’s the part no one talks about.
Getting access to American credit (Yes, even an AMEX) is actually a simple step by step process.
…if you know what you’re doing.
And that’s why the American Credit Kit exists.
Because the first step to getting access to American credit is getting your ITIN.
My team and I have eliminated months of complicated paperwork, confusion and wasted time for you.
Instead with our proven DFY service low ticket plan you’ll get:
✅ The simple 4 step process that my team and I use to help you get your ITIN in as little as 12 weeks (without dealing with complicated paperwork, relocating, or changing your citizenship)
✅ The little almost-unknown secret for how to build your credit and banking score while waiting for your ITIN. (you’ll know exactly how to position yourself for higher credit limits.)
✅ PLUS…A FREE call with my credit specialist, who will give you actionable steps to help you move forward in getting U.S. credit once your ITIN is in hand.
And the best part?
My team and I will do all of this for you in little as 12 weeks.
I’m not giving you another lengthy course…
Or telling you to “figure it out” yourself.
Nope.
Because after having more than 5+ years of business experience…
And helping dozens of non-U.S. citizens…
Get their ITIN.
Build their credit history.
Set up real banking relationships.
And finally unlock AMEX and other premium cards.
I know exactly what works and what doesn't.
You see…
The top 5% of business owners value time over everything else.
That’s why I’m personally committed to helping you get your ITIN fast…
Because not only my team is IRS certified but we do have a whole squad in Miami with 30 specialists ready to support you.
And once your ITIN is in your hands…
Getting access to American credit cards becomes the easy part.
You’ll finally be in a position to build wealth, leverage capital and scale your business faster…
All through the U.S. system.
So if you're ready to enter the world’s strongest economic system…
Just click the button below to finalize your order.
My team will personally reach out and get the process started.
Here's What You'll Get With Your
American Credit Kit
Here's What You'll Get With Your
American Credit Kit
What Is An ITIN...
The ITIN is known as an Individual Taxpayer Identification Number.
It’s also considered as a Social Security Number (SSN) for non-U.S. citizens or biz owners.
“So what does it do?”
Simple.
It serves as an identifier number inside the U.S. systems.
So you can have a legal basis for bank accounts…
Getting credit cards…
And benefiting from the American system without being a U.S. citizen.
500+ ITIN's Processed and $4.5 Million in Funding Delivered to Non-US Clients
500+ ITIN's Processed and $4.5 Million in Funding Delivered to Non-US Clients
Why Do I Need An ITIN?
This is the most common question I get from non-U.S. biz owners.
And let’s clear this up.
Even though you can technically open a U.S. bank account without having an ITIN…
The process becomes much HARDER and more complicated if you don’t have one.
Think of your ITIN like a master key.
Without it…
Every bank door stays locked
But with it?
Suddenly you’re speaking the same language as the American financial system.
After having 5+ years of business experience and building banking relationships…
Banks only care about ONE thing.
Can they identify and track you in their system?
And your ITIN does exactly that.
You see…
Most non-U.S. biz owners believe they need an SSN to access American credit.
I thought so too.
But until I found it was complete BS.
This isn’t like SSN.
Where you need to become a U.S. citizen and pay taxes.
In fact…
With your ITIN, you can take advantage of the American financial system…
…without stepping foot in America.
How cool is that?
That’s why having an ITIN allows you to start building your personal credit score inside the U.S. system.
And the best way to get started without handling any paperwork…
Or relocating to the U.S.
Or even without changing your citizenship.
Is by working with my team getting your ITIN in as little as 12 weeks.
Why Do I Need An ITIN?
This is the most common question I get from non-U.S. biz owners.
And let’s clear this up.
Even though you can technically open a U.S. bank account without having an ITIN…
The process becomes much HARDER and more complicated if you don’t have one.
Think of your ITIN like a master key.
Without it…
Every bank door stays locked
But with it?
Suddenly you’re speaking the same language as the American financial system.
After having 5+ years of business experience and building banking relationships…
Banks only care about ONE thing.
Can they identify and track you in their system?
And your ITIN does exactly that.
You see…
Most non-U.S. biz owners believe they need an SSN to access American credit.
I thought so too.
But until I found it was complete BS.
This isn’t like SSN.
Where you need to become a U.S. citizen and pay taxes.
In fact…
With your ITIN, you can take advantage of the American financial system…
…without stepping foot in America.
How cool is that?
That’s why having an ITIN allows you to start building your personal credit score inside the U.S. system.
And the best way to get started without handling any paperwork…
Or relocating to the U.S.
Or even without changing your citizenship.
Is by working with my team getting your ITIN in as little as 12 weeks.
How Does The American Credit Kit Work?
How Does The American Credit Kit Work?
What Are Others Saying About The American Credit Kit?
" Got my ITIN in about 9 weeks time, JP's team is quick to respond and helpful... Overall a 5 Star experience."
Grant Whitmore 📍London, UK 🇬🇧
The entire ITIN NUMBER process was relatively easy, smoother than I anticipated. They handled everything, and I got my number within a few weeks. Highly recommended!
⭐⭐⭐⭐⭐
Adrian Cole 📍 Auckland, New Zealand 🇳🇿
Getting my ITIN NUMBER from UK was so confusing, until I found this company. Very clear instructions and excellent customer support!
⭐⭐⭐⭐⭐
Jan Vis 📍 Amsterdam, Netherlands 🇳🇱
I was nervous about the IRS paperwork part of the job, but they made it super easy. They handled everything perfectly. Great service!
⭐⭐⭐⭐⭐
Marcus Hale 📍 Cape Town, South Africa 🇿🇦
I received my ITIN Number in exactly 6 weeks as they guaranteed. No hassle, no hidden fees. Really professional!
⭐⭐⭐⭐⭐
Simon Whitfield 📍 Zurich, Switzerland 🇨🇭
I’m and just have a small Etsy shop that I am running and needed an ITIN Number for tax reasons. The squad explained the whole process to me. Very helpful!
⭐⭐⭐⭐⭐
Lauren Kingsley 📍 Lisbon, Portugal 🇵🇹
What Are Others Saying About
The American Credit Kit?
" Got my ITIN in about 9 weeks time, JP's team is quick to respond and helpful... Overall a 5 Star experience."
Grant Whitmore 📍London, UK 🇬🇧
The entire ITIN NUMBER process was straightforward. They handled each step, and I had my number within a few weeks. Highly recommended!
⭐⭐⭐⭐⭐
Adrian Cole 📍 Auckland, New Zealand 🇳🇿
Getting my ITIN from abroad was confusing until I used this team. Clear instructions and responsive support the whole way.
⭐⭐⭐⭐⭐
Jan Vis 📍 Amsterdam, Netherlands 🇳🇱
I was nervous about the IRS forms, but they made it simple. Everything was prepared correctly. Excellent service.
⭐⭐⭐⭐⭐
Marcus Hale 📍 Cape Town, South Africa 🇿🇦
They quoted six weeks and delivered. No hassle, transparent pricing, very professional from start to finish.
⭐⭐⭐⭐⭐
Simon Whitfield 📍 Zurich, Switzerland 🇨🇭
I run a small Etsy shop and needed an ITIN for taxes. The team explained everything and guided me through. Super helpful.
⭐⭐⭐⭐⭐
Lauren Kingsley 📍 Lisbon, Portugal 🇵🇹
Start to finish was organized and faster than expected. My ITIN arrived on schedule and filing was painless.
⭐⭐⭐⭐⭐
Amir Zain 📍 Kuala Lumpur, Malaysia 🇲🇾
Meet Your Canadian Credit Specialist…
MY NAME IS JEAN PAUL D'ANDREA
MY NAME IS
JEAN PAUL D'ANDREA
Over the past 5+ years in business…
I’ve built a powerful network … not just with banks.
But also with 8 and 9 figure entrepreneurs from around the world.
So it’s safe to say I know what works and what doesn’t.
The result?
I’ve gained access to multiple 6-figure American credit lines.
I’ve realized I developed a unique skill.
Helping non-U.S. business owners access American credit so they can…
✓ Scale their business.
✓ Fly in first class flights.
✓ Take advantage of better business opportunities.
And do it all without…
Changing their citizenships.
Creating fake companies.
Or even relocation to the U.S.
That’s why I created The American Credit Kit to make this process simple.
After spending THOUSANDS of dollars getting into high-level rooms and building the right relationships…
I’ve developed a step by step process that allows any non-U.S. citizen to get access to American credit.
Over the past 5+ years in business…
I’ve built a powerful network … not just with banks.
But also with 8 and 9 figure entrepreneurs from around the world.
So it’s safe to say I know what works and what doesn’t.
The result?
I’ve gained access to multiple 6-figure American credit lines.
I’ve realized I developed a unique skill.
Helping non-U.S. business owners access American credit so they can…
✓ Scale their business.
✓ Fly in first class flights.
✓ Take advantage of better business opportunities.
And do it all without…
Changing their citizenships.
Creating fake companies.
Or even relocation to the U.S.
That’s why I created The American Credit Kit to make this process simple.
After spending THOUSANDS of dollars getting into high-level rooms and building the right relationships…
I’ve developed a step by step process that allows any non-U.S. citizen to get access to American credit.
500+ ITIN's Processed Successfully and $4.5 Million in Funding to Non-US Clients
500+ ITIN's Processed Successfully and
$4.5 Million in Funding to Non-US Clients
AND NOW I'M GIVING IT ALL TO YOU…
Most non-U.S. owners think that to access American credit, they need to…
Relocate to the U.S.
Create fake companies.
Change citizenship.
No.
They’re stuck because they don’t know the EXACT process to access American Credit.
And while everyone else is pushing some $10,000 package for non-U.S. citizens…
My team and I don’t do that here.
We give you a real breakdown step by step process you need right now to get American credit.
In fact…
This is the first real step you need to get access to American credit.
The American Kit is a done-for-you service that helps you get your ITIN fast, legally, and fully remotely.
You’ll receive your ITIN in as little as 12 weeks so you can speed run your way into the U.S. financial system.
So you can…
Use the capital to scale your business.
Hire better talent.
Jump on bigger business opportunities.
Or maybe…
Rack up American travel rewards and fly business even first class.
All without wasting MONTHS “figuring it out.” yourself.
AND NOW I'M GIVING IT ALL TO YOU…
Most non-U.S. owners think that to access American credit, they need to…
Relocate to the U.S.
Create fake companies.
Change citizenship.
No.
They’re stuck because they don’t know the EXACT process to access American Credit.
And while everyone else is pushing some $10,000 package for non-U.S. citizens…
My team and I don’t do that here.
We give you a real breakdown step by step process you need right now to get American credit.
In fact…
This is the first real step you need to get access to American credit.
The American Kit is a done-for-you service that helps you get your ITIN fast, legally, and fully remotely.
You’ll receive your ITIN in as little as 12 weeks so you can speed run your way into the U.S. financial system.
So you can…
Use the capital to scale your business.
Hire better talent.
Jump on bigger business opportunities.
Or maybe…
Rack up American travel rewards and fly business even first class.
All without wasting MONTHS “figuring it out.” yourself.
YOUR PURCHASE IS BACKED BY OUR UNCONDITIONAL MONEY BACK GUARANTEE.
I know that before I get into anything…
I’d like to know what I’m buying and that it’s backed by a solid money-back guarantee.
And I want you to be comfortable with this purchase... even though it’s only $399…
That’s your hard-earned money, and it matters.
So here’s what I've arranged.
Purchase your American Credit Kit…
If within 12 weeks, my team doesn’t deliver your ITIN and you’re not satisfied with the service…
Just shoot us an email at [email protected] and request a refund.
(Keep in mind: once we’ve submitted your documents to the IRS, it becomes difficult to issue refunds.)
But if we haven’t the ITINsubmitted yet…
We’ll refund your $399 with no questions asked and no stipulations.
How’s that for a money back guarantee?
I’d say pretty good.
Hit the button below and order your American Credit Kit today!
YES, We Have Even More Reviews From Happy Customers!
Here's What People Are Saying About the Service…
Payouts kept stalling without a U.S. tax ID. UP Credit secured my ITIN and synced details for Amazon and Stripe, so payouts started landing on schedule.
⭐⭐⭐⭐⭐
Diego Serrano 📍 Madrid, Spain 🇪🇸
I needed a clean path to U.S. banking. They sequenced the steps—address, EIN, ITIN—and introduced a remote-friendly bank. First U.S. invoice cleared without drama.
⭐⭐⭐⭐⭐
Elin Nyström 📍 Stockholm, Sweden 🇸🇪
Forms stressed me out. UP Credit prepped the packet, tracked status weekly, and my ITIN arrived in about five weeks. Used it to verify PayPal and complete my W-8BEN-E.
⭐⭐⭐⭐⭐
Ana Souza 📍 São Paulo, Brazil 🇧🇷
I wanted predictability. UP Credit laid out timelines, costs, and tasks in one portal. ITIN was one step; they also set me up with U.S. address and banking. Smooth process.
⭐⭐⭐⭐⭐
Maarja Tamm 📍 Tallinn, Estonia 🇪🇪
Etsy and Shopify tax prompts were a mess. They explained thresholds, got my ITIN done, and gave me a simple bookkeeping checklist. Filing was painless.
⭐⭐⭐⭐⭐
Piotr Nowak 📍 Warsaw, Poland 🇵🇱
YES, We Have Even More Reviews From Happy Customers!
Here's What People Are Saying About the Service…
Payouts kept stalling without a U.S. tax ID. UP Credit secured my ITIN and synced details for Amazon and Stripe, so payouts started landing on schedule.
⭐⭐⭐⭐⭐
Diego Serrano 📍 Madrid, Spain 🇪🇸
I needed a clean path to U.S. banking. They sequenced the steps—address, EIN, ITIN—and introduced a remote-friendly bank. First U.S. invoice cleared without drama.
⭐⭐⭐⭐⭐
Elin Nyström 📍 Stockholm, Sweden 🇸🇪
Forms stressed me out. UP Credit prepped the packet, tracked status weekly, and my ITIN arrived in about five weeks. Used it to verify PayPal and complete my W-8BEN-E.
⭐⭐⭐⭐⭐
Kelvin Otieno 📍 Nairobi, Kenya 🇰🇪
My goal was funding, not just a number. With the ITIN in place, they tightened my profile and I opened vendor terms plus a starter business line. Cash flow got easier.
⭐⭐⭐⭐⭐
Ana Souza 📍 São Paulo, Brazil 🇧🇷
Etsy and Shopify tax prompts were a mess. They explained thresholds, got my ITIN done, and gave me a simple bookkeeping checklist. Filing was painless.
⭐⭐⭐⭐⭐
Piotr Nowak 📍 Warsaw, Poland 🇵🇱
I wanted predictability. UP Credit laid out timelines, costs, and tasks in one portal. ITIN was one step; they also set me up with U.S. address and banking. Smooth process.
⭐⭐⭐⭐⭐
Maarja Tamm 📍 Tallinn, Estonia 🇪🇪
YOUR PURCHASE IS BACKED BY OUR
UNCONDITIONAL MONEY BACK GUARANTEE.
I know that before I get into anything…
I’d like to know what I’m buying and that it’s backed by a solid money-back guarantee.
And I want you to be comfortable with this purchase... even though it’s only $399…
That’s your hard-earned money, and it matters.
So here’s what I've arranged.
Purchase your American Credit Kit…
If within 12 weeks, my team doesn’t deliver your ITIN and you’re not satisfied with the service…
Just shoot us an email at [email protected] and request a refund.
(Keep in mind: once we’ve submitted your documents to the IRS, it becomes difficult to issue refunds.)
But if we haven’t the ITINsubmitted yet…
We’ll refund your $399 with no questions asked and no stipulations.
How’s that for a money back guarantee?
I’d say pretty good.
Hit the button below and order your American Credit Kit today!
Frequently Asked Questions
Any Questions? [email protected]
Who is this for?
The American Credit Kit is for non-U.S. citizens and non-U.S. residents who want to get their first ITIN and use it to access the American financial system. It’s ideal for business owners, entrepreneurs, and investors who want U.S. bank accounts, American credit cards (including premium cards like AMEX), and better funding opportunities—without relocating, changing citizenship, or doing complicated paperwork themselves.
I want this, what exactly am I getting?
You’re getting a fully done-for-you ITIN application service handled by an IRS Certified Acceptance Agent. This includes:
- The exact 4-step process we use to get your ITIN in as little as 6–12 weeks (depending on where you live).
- All document verification, notarization, and IRS submission handled for you.
- A free 30-minute strategy call with a credit specialist once your ITIN arrives.
- Nuggets on how to start building banking relationships and a strong banking score while waiting for your ITIN.
- Full remote processing—no travel required.
Why get an ITIN?
An ITIN is the first and most important step to accessing U.S. credit. Without it, banks can’t easily identify you and will often reject your applications for credit cards or accounts. With it, you can:
- Build a U.S. personal credit score.
- Apply for American credit cards with higher limits.
- Access loans, funding, and premium financial tools.
It’s the “master key” that opens bank doors and puts you in the system.
How does the process look like?
1. Make your investment ($349) and receive our secure onboarding instructions.
2. Our team reviews your documents and confirms everything is correct.
3. Our IRS Certified Acceptance Agent notarizes your documents and submits them directly to the IRS.
4. You receive your ITIN letter from the IRS in 6–12 weeks.
Does getting an ITIN change anything? (Residency, Taxes, Citizenship)
No. Getting an ITIN does not require you to move to the U.S., change citizenship, or pay U.S. taxes. It simply proves to banks and financial institutions that you’re a real person in their system.
How will you get the ITIN?
We work with IRS Certified Acceptance Agents who are authorized to verify your documents, notarize them, and send them directly to the IRS. Our established banking relationships and internal processes allow us to handle everything remotely, quickly, and with a high success rate.
Why does it take 12 weeks to get an ITIN?
The IRS standard processing time is 6–12 weeks depending on where you live, mail delivery times, and IRS workload. Our process ensures your documents are correct, prioritized, and submitted quickly, avoiding delays that can push the timeline to 6–7 months if you try it alone.
Is there a guarantee?
Yes. If we don’t deliver your ITIN within 12 weeks and your documents haven’t yet been submitted to the IRS, you can request a full refund—no questions asked.
What are the bonuses with the American Credit Kit?
Bonus #1: A free 30-minute call with a credit specialist after your ITIN arrives to plan your exact next steps for building U.S. credit.
Bonus #2: Credit Nuggets on how to build a strong banking score while waiting for your ITIN so you can secure higher credit limits faster.
These bonuses are not available anywhere else—not in my free community, not on social media.
Frequently Asked Questions
Any Questions? [email protected]
Who is this for?
The American Credit Kit is for non-U.S. citizens and non-U.S. residents who want to get their first ITIN and use it to access the American financial system. It’s ideal for business owners, entrepreneurs, and investors who want U.S. bank accounts, American credit cards (including premium cards like AMEX), and better funding opportunities—without relocating, changing citizenship, or doing complicated paperwork themselves.
I want this, what exactly am I getting?
You’re getting a fully done-for-you ITIN application service handled by an IRS Certified Acceptance Agent. This includes:
- Done for You ITIN in as little as 6–12 weeks (depending on where you live).
- All document verification, notarization, and IRS submission handled for you.
- A free 30-minute strategy call with a credit specialist once your ITIN arrives.
- Nuggets on how to start building banking relationships and a strong banking score while waiting for your ITIN.
- Full remote processing—no travel required.
Why get an ITIN?
An ITIN is the first and most important step to accessing U.S. credit. Without it, banks can’t easily identify you and will often reject your applications for credit cards or accounts. With it, you can:
- Build a U.S. personal credit score.
- Apply for American credit cards with higher limits.
- Access loans, funding, and premium financial tools.
It’s the “master key” that opens bank doors and puts you in the system.
How does the process look like?
1. Make your investment ($399) and receive our secure onboarding instructions.
2. Our team reviews your documents and confirms everything is correct.
3. Our IRS Certified Acceptance Agent notarizes your documents and submits them directly to the IRS.
4. You receive your ITIN letter from the IRS in 6–12 weeks.
Does getting an ITIN change anything? (Residency, Taxes, Citizenship)
No. Getting an ITIN does not require you to move to the U.S., change citizenship, or pay U.S. taxes. It simply proves to banks and financial institutions that you’re a real person in their system.
How will you get the ITIN?
We work with IRS Certified Acceptance Agents who are authorized to verify your documents, notarize them, and send them directly to the IRS. Our established banking relationships and internal processes allow us to handle everything remotely, quickly, and with a high success rate.
Why does it take 12 weeks to get an ITIN?
The IRS standard processing time is 6–12 weeks depending on where you live, mail delivery times, and IRS workload. Our process ensures your documents are correct, prioritized, and submitted quickly, avoiding delays that can push the timeline to 6–7 months if you try it alone.
Is there a guarantee?
Yes. If your documents haven’t yet been submitted to the IRS, you can request a full refund—no questions asked.
What are the bonuses with the American Credit Kit?
Bonus #1: A free 30-minute call with a credit specialist after your ITIN arrives to plan your exact next steps for building U.S. credit.
Bonus #2: Credit Nuggets on how to build a strong banking score while waiting for your ITIN so you can secure higher credit limits faster.
These bonuses are not available anywhere else—not in my free community, not on social media.
Need help? Contact us at [email protected] or +1-786-628-7370
Privacy and Policy | Terms of Use I Fulfillment Policy I Cancellation Policy
© 2025 Peak State Consulting LLC | Empowering Entrepreneurs with Capital Access
Disclaimer: This site is not a part of the Facebook™ website or Facebook Inc.
Additionally, this site is NOT endorsed by Facebook™ in any way. FACEBOOK™ is a trademark of FACEBOOK, Inc.
American Credit Calculator is for educational and entertainment use only. Points, rewards, and funding figures are estimates based on past client outcomes, not predictions or guarantees for you. This is not financial, legal, or tax advice. Verify independently. UP Credit assume no liability.