Build US Credit Without a Social Security Number
Qualify for credit cards, loans, and other financial products without an SSN
Build a US credit history that helps with housing, utilities, and future opportunities
Credit history built with ITIN can be merged if you later receive an SSN
Apply for an ITIN if you do not have one yet. We guide you through the W-7 process
Start with an ITIN-friendly bank account to establish financial presence
Apply for secured credit cards and credit builder loans that accept ITIN
Make on-time payments, keep utilization low, and watch your credit score grow
Yes! An ITIN (Individual Taxpayer Identification Number) allows you to build credit in the US just like an SSN. The major credit bureaus (Experian, Equifax, TransUnion) create credit files using ITINs. Many secured credit cards, credit builder loans, and some regular credit cards accept ITIN applications.
You apply for an ITIN by filing IRS Form W-7 along with your tax return or reason for needing an ITIN. You will need to provide proof of identity and foreign status (passport, national ID). The IRS typically processes applications within 4-8 weeks. We provide guidance through this process but cannot file applications on your behalf.
Several secured credit cards accept ITIN including Chime Secured Credit Card, OpenSky Secured Visa, and First Progress Platinum Select. Some major banks like Bank of America and Capital One also offer cards to ITIN holders. We provide current lists of ITIN-friendly products and application guidance.
With strategic planning, you can establish an initial credit score in 3-6 months. Building to good credit (700+) typically takes 12-18 months of consistent positive payment history. We provide a customized timeline based on your starting point and goals.
Your credit history does not automatically transfer from your ITIN to your SSN. You will need to contact each credit bureau to request merging your credit files. We provide guidance on this process to ensure you do not lose your hard-earned credit history.
ITIN credit building guidance is included in our comprehensive consulting programs. We offer different tiers with varying levels of support tailored for ITIN holders. Schedule a free consultation to discuss which program fits your needs and receive custom pricing.
If you have an SSN, explore our personal credit building strategies for maximum results.
Learn MoreITIN holders need to file taxes annually. We provide professional tax preparation services.
Learn MoreAccess our complete ITIN resource hub with guides, timelines, and product recommendations.
Visit HubJoin thousands of ITIN holders who have built strong credit profiles in the United States.
Start Your Journey