tradelines and itins

01 Apr 2019

You can’t use an ITIN to build credit and credit scores.

No. You can’t use an individual tax identification number (or “ITIN”) to build credit and credit scores to get loans instead of your social security number. Don’t get me wrong, I admire creativeness. But, the line is drawn.

This concept – of tradelines and ITINS – originates from two scenarios: First, people think using ITINs is better than using CPNs (and SSNs, for that matter). Second, people who are legitimately eligible for an ITIN wish to build credit on their ITIN since they’re not eligible for an SSN.

In both situations, the ITIN is not an option.

ITINs and SSNs are noticeably different.

You’re not going to sneak through an ITIN in place of your SSN. They are extremely easy to identify. Here’s the structure of an ITIN.

“IRS began assigning ITINs effective July 1,1996 Subject to a 1997 Memorandum of Understanding between SSA and IRS, IRS agreed that ITINs will be nine digits beginning with the number “9” and initially will have either “7” or “8” in the 4th position.”

That’s from the Statement Of James B. Lockhart, Deputy Commissioner For Social Security.

Now we know how to identify an ITIN.


Is that an ITIN?



Is that an ITIN?


Are you qualified for a social security number?

If you are qualified for a social security number, you are not eligible for an ITIN. This is true whether you have  or whether you’re merely eligible for a social security number. Look at the top of the application for an ITIN.

itin application

You can’t use an ITIN with Experian.

Experian explicitly distinguishes social security numbers and individual tax identification numbers and makes clear an ITIN will be viewed as an invalid SSN if used to access credit reports.

experian itin

You can’t use an ITIN with Equifax.

Equifax literally throws a fraud error if you attempt to retrieve a credit report from them using an ITIN.

equifax itin fraud alert

But, can I get credit?

People continue to ask:

“Fine. I can’t get credit reports and scores. But, can I get credit with an ITIN?”

There are certain banks that will allow you to apply for credit using an ITIN. Here’s the problem. You’re going to have an uphill battle. Here’s why:

  • Since you can’t establish credit with an ITIN, you can’t establish a credit score.
  • Since you can’t establish a credit score with an ITIN, a lender cannot evaluate your creditworthiness.
  • Since a lender can’t evaluate your creditworthiness, you’re likely only to get starter credit cards (I.e, $300.00 limits) from a lender who accepts ITINs.
  • Since those starter cards and credit won’t be reported to credit bureaus, you’ve done nothing to better your credit future.

Credit report and scores with no numbers.

Technically, you can get a credit report and score without an SSN or ITIN.

To open a credit report, you just need a creditor (if you can get one) to report your account to the credit bureaus.

Believe it or not, they do not need a social security number. They only need certain identifiable information about you, such as your name, date of birth, address, etc. Once you get a social security number, previously unassociated information will attach to it.

After six months of credit reporting, you can generate a credit score. Credit bureaus do not need a social security number or ITIN. They just need creditor data and some identifying data to connect it to.

So, what does this mean?

It means an ITIN isn’t helpful, anyway.

ITINs are under investigation.

ITINs are the subject of a massive congressionally required investigation. No, this investigation has nothing to do with credit. It has to do with wide-spread abuse of ITINs. There are recommendations to reduce the issuance and expedite the cancellation of fraudulently obtained and expired ITINs.

As a result of this investigation, and other things, the authorities are phasing out ITINs if they’re not renewed as required by law. In other words, ITINs are slated for the chopping block in the form of expiration dates. You can learn more here.

Why we don’t add tradelines to ITINs.

This post stands as our policy paper on adding tradelines to ITINs. We won’t do it for the reasons listed above.

Nevertheless, there are options.

You can call us at 800-431-4741, email MikeRaj, or Brad or click here to get started.

We look forward to working for you and helping with your credit goals.


7 thoughts on “You can’t use an ITIN to build credit and credit scores.”

  1. Mmmm… Wrong information… I been using my ITIN for 10+ years, built credit, 800+… Nothing free of course, I been managing properly… And Also have received my annual report and score

    1. Hey Guillermo, first, and I’m not giving legal advice, but I’d recommend you don’t put that kind of information on public sites where prosecutors can easily see it.

      See my response to Judy above, as it applies to your situation, too.

    2. Hello Guillermo, Any chance you can share how did you check the Credit score. Cant really find a way out. Your Assistance will be highly appreciable.

  2. This is 100% inaccurate.

    You 100% can use an ITIN to build credit. In fact, it’s necessary if you don’t have an SSN.

    American Express, Chase, Capital One, BoA, Citi Bank and a couple of others let you get credit products with an ITIN. During the application process, you CANNOT skip the SSN field and by placing your ITIN they are able to verify your credit.

    If I’m wrong then you should probably tell that to the 800+ credit score I’ve obtained by having an ITIN and living somewhere else in the world.

    1/5 rating for this article.

    1. Thank you for the comment. In response to your comment, I’d refer you to the article above (which already addresses everything you said).

      I respectfully suggest that you’re mistaking “able to” with “allowed to.” You’re “able to” rob a bank, but you’re not “allowed to” rob a bank.

      Perhaps it’s true that you (illegally) put an ITIN in an SSN field (which may constitute bank fraud). Perhaps it’s true that it may have worked for you (assuming the facts you wrote are correct). However, I don’t fully believe it. After all, if you have an 800+ credit score using an ITIN, why are you on a site dedicated to credit improvement on an article discussing ITINs and illegality?

      Nevertheless, when you said “tell that to my 800+ credit score,” that’s like saying: “You think I can’t rob a bank? Tell that to this pile of cash!”

      Also, curious when you did this because it’s only very recently that the banks have caught on to this issue. As noted above, in 2018, the Federal Government took an interest in ITIN abuse and recommended canceling ITINs which were/are abused. That potentially could happen to you.

      Anyone viewing these comments, my recommendation stands: Don’t mess with ITINs for credit purposes.

  3. one month ago i did my ITIN, how do i get my credit report? and another question, can I do financing using my ITIN? Thanks a lot

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