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.
Building credit in America opens doors to better financial opportunities, even without an SSN.
Here's what to expect when building credit with an ITIN. Most clients reach 700+ in 12 months.
Apply for ITIN if you don't have one yet. Takes 4-8 weeks to receive.
Open ITIN-friendly bank account and apply for first secured credit card.
Your credit score becomes visible (~580-620). Continue building positive history.
Add credit builder loan for credit mix. Apply for second card if ready.
With 650+ score, you qualify for regular (unsecured) credit cards.
700+ score achieved. Access to prime credit products and rates.
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.
One-time payment
Everything in DIY plus personal coaching and hands-on support.
Not sure which option is right for you?
Book Free ConsultationGet continuous credit building support with monthly subscription plans
or $990/year (save 17%)
or $1,990/year (save 17%)
These products accept ITIN and help you build credit.
No SSN required, reports to all 3 bureaus
Accept ITIN for account opening
Build credit while saving money
Free resources to help you succeed.
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.
Thousands of ITIN holders have built credit with our help. You can too.