You can build a U.S. credit history with an Individual Taxpayer Identification Number (ITIN). Credit bureaus can create a file using your name, address and date of birth, and some banks, credit unions and card issuers accept an ITIN on applications. The key is choosing a product that reports to the credit bureaus and paying it on time.
Key takeaways
- An ITIN is issued by the IRS for tax filing; many lenders accept it in place of a Social Security number for credit applications.
- Credit unions, community banks and some secured card issuers are the most common ITIN-friendly options.
- Always confirm the account reports to Equifax, Experian and TransUnion.
- If you later receive an SSN, ask each lender and bureau to update your records so your history stays together.
Products that commonly accept an ITIN
| Product | How it helps | Ask before applying |
|---|---|---|
| Secured credit card | Builds revolving history with a refundable deposit | Does it accept ITIN? Does it report to all three bureaus? |
| Credit-builder loan | Builds installment history while you save | Fees, APR and when funds are released |
| Credit union card or loan | Often more flexible with documents | Membership rules and required ID |
| Authorized user on a family member’s card | May add history to your file | Does the issuer report authorized users with an ITIN? |
Documents lenders may ask for
- ITIN letter from the IRS (CP565) or ITIN number
- Government-issued photo ID, such as a passport or consular ID
- Proof of address (utility bill, lease)
- Proof of income (pay stubs, bank statements, tax returns)
Moving from ITIN to SSN
If you receive a Social Security number, tell the IRS so your tax records are combined, and contact each lender to update your identification. Then check your credit reports to confirm your accounts appear under one file. If you see a split or mixed file, dispute it with the bureau.
A simple starting plan
- Open one ITIN-friendly secured card or credit-builder loan that reports to all three bureaus.
- Use it for one small, planned expense each month and pay the full statement balance.
- After 6–12 months of on-time history, check your reports and consider a second product if needed.
Frequently asked questions
Can I get a credit score with only an ITIN?
Yes. Once an account reports to the bureaus for a few months, scoring models can generate a score for your file.
Do the credit bureaus accept ITINs?
Bureaus match files using several identifiers, and lenders can report accounts opened with an ITIN. Check your reports to confirm your accounts appear.
Is it legal to apply for credit with an ITIN?
Yes. Lenders set their own identification requirements, and many accept an ITIN. Always give truthful information on applications.
Related reading
- Your First U.S. Credit Account: a 90-Day Plan
- Secured vs. Unsecured Credit Cards
- Building credit guide
Sources and further reading
Recommended reading from Mani Hatami
- Credit for a New Life: A Beginner’s Guide for Immigrants in America — a plain-language introduction to the U.S. credit system for newcomers.
- Credit First, Success Next — building the credit foundation behind bigger goals like renting, a car or a home.
- Reading in Persian? See Mani’s Persian credit books or download the free Farsi credit e-book.
Have a question about your own credit? Contact Mani. سوالی دارید؟ به فارسی با ما صحبت کنید.
By Mani Hatami. Reviewed November 8, 2026. Educational information, not individualized financial, legal or tax advice. Examples are hypothetical; results and product terms vary.
This article was originally published on November 8, 2026. Information may have changed. Discuss your current circumstances before making financial decisions.