Build Credit in the USA
With Your ITIN
New to America? No SSN? No problem. We specialize in helping ITIN holders build credit from zero and access the American financial system.
An Individual Taxpayer Identification Number (ITIN) is a 9-digit number issued by the IRS for people who need to file taxes but aren't eligible for a Social Security Number.
- Issued to non-residents, foreign nationals, and dependents
- Starts with "9" and has a 7 or 8 in the 4th digit
- Used for tax filing, not work authorization
- Can be used to build credit history
Building credit in America opens doors to better financial opportunities, even without an SSN.
- Qualify for apartments without extra deposits
- Get better car insurance rates
- Access credit cards with rewards
- Build foundation for future mortgage
- Establish financial identity in the US
- Prepare for when you get SSN (credit transfers)
Your 12-Month Credit Building Journey
Here's what to expect when building credit with an ITIN. Most clients reach 700+ in 12 months.
Get Your ITIN
Apply for ITIN if you don't have one yet. Takes 4-8 weeks to receive.
Bank Account + Secured Card
Open ITIN-friendly bank account and apply for first secured credit card.
First Score Appears
Your credit score becomes visible (~580-620). Continue building positive history.
Add Credit Builder Loan
Add credit builder loan for credit mix. Apply for second card if ready.
Regular Cards Accessible
With 650+ score, you qualify for regular (unsecured) credit cards.
Full Credit Access
700+ score achieved. Access to prime credit products and rates.
ITIN Credit Building Programs
Choose the level of support that fits your needs. Both options include everything you need to succeed.
One-time payment
Complete self-paced guide to build credit with an ITIN. Perfect for self-starters.
- ITIN Application Guide (W-7 Walkthrough)
- First Credit Card Strategy
- ITIN-Friendly Banks List
- 12-Month Credit Building Roadmap
- 8-Module Video Course
- 6 Months Community Access
One-time payment
Everything in DIY plus personal coaching and hands-on support.
- Everything in DIY Kit
- 2x 1:1 Coaching Calls (45 min)
- W-7 Form Review Before Submission
- Application Assistance
- 90-Day Email Support
- Priority Community Access
Not sure which option is right for you?
Book Free ConsultationOngoing Credit Building Support
Get continuous credit building support with monthly subscription plans
Contact us for details
- Basic Personal Credit Building
- Credit Score Strategy for ITIN
- ITIN-Friendly Product Recommendations
- Plus: Bookkeeping & Invoicing
- 200GB Storage
Contact us for details
- Complete Personal Credit Building
- 3-Bureau Credit Monitoring
- ITIN to SSN Credit Transfer Support
- Business Funding Coach (Complete)
- Plus: Tax Filing INCLUDED
- Plus: Dedicated Account Manager
ITIN-Friendly Financial Products
These products accept ITIN and help you build credit.
- Chime Secured Card
- OpenSky Secured Card
- First Progress Platinum
No SSN required, reports to all 3 bureaus
- Bank of America
- Chase (some branches)
- Wells Fargo
- Credit Unions
Accept ITIN for account opening
- Self
- MoneyLion
- Possible Finance
Build credit while saving money
ITIN Credit Building Guides
Free resources to help you succeed.
Frequently Asked Questions
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS for individuals who are required to have a U.S. taxpayer identification number but don't have and aren't eligible for a Social Security Number.
Yes! With an ITIN, you can open bank accounts, get credit cards, and build a credit history. The process is similar to SSN holders, though fewer products are available initially.
The IRS typically processes ITIN applications within 4-8 weeks during normal filing season. During peak tax season (January-April), it may take longer.
Most secured credit cards accept ITIN, including Chime, OpenSky, and First Progress. Some regular cards from Bank of America and Capital One also accept ITIN.
Yes, some lenders offer ITIN mortgages. Requirements are typically stricter (larger down payment, higher rates), but homeownership is possible with an ITIN.
Your credit history built with an ITIN won't automatically transfer. You'll need to contact the credit bureaus to merge your files once you receive an SSN.
Start Building Your American Credit Today
Thousands of ITIN holders have built credit with our help. You can too.