No advice. Everything on this site and inside the membership is general information and education. It is not legal, tax, financial, investment or immigration advice, and it does not create an advisor or attorney relationship. Rules of banks, card issuers and authorities change at short notice; before acting, verify the current requirements of the specific institution, and involve a qualified professional where your situation calls for one.
No guarantee. Nobody outside a bank can guarantee an approval, and we do not try. Our database separates two things on every row: what the issuer publishes, and what the club found when it looked, each with a date. A dated note is a snapshot, not a promise.
How we earn money. The membership fee is our primary revenue. In addition, some links in the database are referral or affiliate links: if you open an account or product through such a link, the club may receive a commission at no extra cost to you. Referral links appear only in the database (the map), never inside the playbooks, and they are marked. A commission never changes a rating: the ITIN classification and the field notes are written before any referral relationship exists, and a row that carries no link is maintained with the same care as one that does.
No selling of guarantees. We do not sell or promote CPNs, tradeline rentals from strangers, guaranteed approvals, synthetic identities or any product built on misrepresentation. If you find such an offer elsewhere, walk away.