Finimpact

Frequently Asked Questions(FAQ)

Can I check my credit score if I don’t have a Social Security number?

Yes, you can check credit score with ITIN. You can request copies of your credit report from all three of the credit bureaus so you can find out your credit score and your credit history. Keep in mind that not all of your financial information and credit history will be present on each report. You may need to work on getting it added or updated. 

You may also need to build credit history if you don’t have much or haven't lived in the country very long. You can apply for a secured credit card or a credit loan builder to boost your credit score and build up some credit history. Remember that the higher your score, the better loans and products you will have access to. There are loans for good credit and excellent credit which offer the best rates and terms. 

How do I know if I need an ITIN?

ITINs are for people who are required to have a U.S. taxpayer identification number but do not have a SSN (social security number). You can use an IRS tool to see if you are eligible for an ITIN. You may be eligible if you’re a non-resident, a resident alien, or a spouse or dependent of a non-resident or resident alien. You can use your ITIN to file taxes and to request copies of your credit reports. 

How do I get an ITIN?

ITINs are available to eligible nonresidents and resident aliens. File a request via Form W-7 with the IRS. This form serves as an application for an ITIN as well as an ITIN renewal. Instructions for filling out the form are available on the site. 

About the Authors

Allison Bethell

Written by: Allison Bethell

Real Estate Expert

Allison Bethell is a content writer, real estate investor, small business owner, and consultant. She has a B.A. from Villanova University in Sociology and Business. She also holds several graduate certificates in early childhood development, screenwriting, and contract law.

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