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Check your credit score without a SSN

3 minutes read

While a social security number (SSN) is the most common ID number given to each U.S. credit consumer, there are some other ways you can get your credit history compiled. Below you can find helpful information on how to start building credit with no SSN and, most importantly, how to check your credit information without this identifier.

Can you have a credit score without an SSN?

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The most common way for credit bureaus to identify a U.S. credit consumer is with your SSN, but this is not the only one. Personal information such as your name, work history, date of birth, and address lets credit bureaus build a file for you to establish credit. Your personal information is necessary in order for bureaus to locate your credit reports. If you are starting to build credit, you should know that there are many different credit score models, and not all work the same way. While some can calculate your scores with a single account, others may need two or more to build credit. Bear in mind that bureaus need account activity of at least three to six months to be able to calculate your credit score. You can start building credit by:

  1. Opening a bank account – This is the first step into building your credit history and credit score. For a bank account to be considered in your credit score, it must be backed by a US-based financial institution or bank. Many lenders have the option to open an account with an ITIN when lacking an SSN. You can even open an account with just your passport or any other valid state-issued ID.
  2. Applying for a credit card – Credit cards are useful when looking to build credit, as they report your credit activity to the credit bureaus. Be careful though and try to keep low balances to avoid negatively impacting your scores.
  3. Getting a loan – Taking out a loan can also help you build credit. Many lenders have alternative options to apply without an SSN. You may apply by providing an ITIN, an alien identification number, or a valid state-issued ID. Getting a loan carries some responsibility, so you will need to manage it properly to achieve healthy credit ratings.

How can you check your credit score without an SSN?

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You can submit a request for a free credit report in writing when you lack an SSN. This service is offered by the main credit bureaus once a year. Complete your request with the following information:

  • A valid state-issued ID (drivers license, state ID card, or any valid identification that includes your current residence)
  • Your last utility bill, bank statement, or insurance statement.
  • Complete name
  • Your complete address for the last two years
  • Birthdate

Check your credit score with an ITIN number

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*What is an ITIN number?

The Individual Tax Identification Number, commonly known as ITIN, is an ID number that the IRS (Internal Revenue Service) provides to those who are not eligible for an SSN. When providing your personal information to credit bureaus, include your ITIN as another way for bureaus to locate you easier. You can apply for an ITIN number here 

FICO estimation calculator 

FICO score is the most common credit score model in the U.S., and most lenders use this credit score to determine whether they should lend you money or not. FICO offers a score calculator that allows you to get an estimated credit score by only answering some questions. Crediverso also offers a free credit report in English or Spanish.

Now that you know the importance of the FICO score let’s analyze how it is composed and the score ranges.

Considered variables Weight on your credit score
Payment history: This includes all your past payments from the accounts you have. Credit bureaus consider older bank accounts valuable to better know your payment habits. 35%
Amounts owed: It shows how much you owe. Even though having a large debt is not bad, credit utilization has an important weight in this category. It is how much you owe divided by your total credit limit. 30%
Age of credit history: This is determined by the age of your accounts. Having older accounts makes you stand as a responsible credit consumer against banks and lenders. 15%
New credit: Any applications you have to new credit lines. 10%
Credit mix: This refers to the different types of credit you have. From mortgages to credit cards, student loans, personal loans, and more.

FICO Credit Ratings

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Score ranges determine your eligibility to get certain loans. It will also determine your interest rates, the estimated borrowing amount, and the terms and conditions on the loan. FICO scores range as follows:

  1. 800-850 – Excellent: Best interest rates and terms, no difficulty in getting approved for a loan or credit card.
  2. 740-799 – Good: Special offers and many benefits from lenders and low-interest rates.
  3. 670-739 – Fair: Most common credit range for users in the U.S., not the best interest rates but also not on the high end.
  4. 580-669 – Bad: There are special loans for people with bad credit, but they will come at a high cost of borrowing. Getting approved may be harder.
  5. 300-580 – Very Bad: Lowest credit range, very difficult to obtain loans. These credit scores can’t qualify for unsecured loans or credit cards.

Daniel Quiroz

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