The IRS issues an Individual Taxpayer Identification Number (ITIN) to all taxpayers in the US who aren’t eligible for an SSN. This number helps individuals track and record their tax payments without an SSN.

Can you use an ITIN to use and build a credit?

Yes, you can use your ITIN to apply for credit card, bank loans and other types of financial services. An ITIN helps lenders and credit bureaus identify you and look up your credit history and credit score without an SSN.

Building Your Credit score With An ITIN

Obtaining an ITIN is the only way for non-residents to start building a credit score. Once you have your ITIN, you can apply for a credit card and start paying it down on time to build your credit. Most credit cards offer regular credit reports so you can monitor and build your credit over time.

What is a credit score?

A credit score is a measure of your ability to repay your credit consistently and on-time. Credit comes in many shapes and forms with the most common being the credit card. However, personal loans, business loans, mortgages, other type of payments such as cell phone bills or your life insurance payment may also affect your credit score

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They keep a record of your financial history and give you a rating that ranges between 0-999, the higher your score is the better.

People who pay down their accounts on time and maintain a healthy relationship with debt typically have stronger credit scores .Stronger credit scores allow you to get lower interest rates on loans and other finanncial services. A good credit score is key to having a strong financial future.

How to find out your credit score with your ITIN?

You can apply to EXPERIAN, EQUIFAX, and TRANSUNION for your credit score. Some of them may also provide you a free annual credit report. Having a credit score of any kind is a good start. You can also go online to the credit bureaus' websites and check your credit score without an SSN. Just enter your personal information and provide your ITIN number to pull your report. You can also ask the credit bureau to change incorrect information about your financial history if you find errors in your report. However it typically takes a while to correct errors.

As a non resident there are ways to build credit scores without an SSN. Making use of your ITIN to apply for credit cards, loans and other financial services enables you to start building the credit score you need for your financial future.

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