Building Credit without a Social Security Number


Building Credit without a Social Security Number

Many people assume that without a social security number, it is impossible to build a strong credit history.  However, this is not the case.


Building Credit Without a Social Security Number PowerPoint Presentation

Building Credit Without a Social Security Number Tips

Building Credit Without a Social Security Number Q&A

Associating Past History with a New Social Security Number



Frequently Asked Questions

Can I build credit without a Social Security Number (SSN)? Yes! Creditors may lend to people who do not have social security numbers. A SSN is only one of the unique identifiers necessary to match credit account information to an individual’s credit file. Having a SSN, however, may increase the accuracy of the credit bureaus’ matching process, but it is not always essential.

Should my Individual Taxpayer Identification Number (ITIN) be used in the place of a SSN to help build credit? No, but it could be. In general, ITINs do not prove identity outside of the tax system and therefore should not be used for credit reporting. However, there are exception as there is no law prohibiting a creditor from using an ID number that is not a SSN to report borrower data.

Can I build credit with my new valid SSN by associating it with past credit? Yes! A valid SSN should automatically become associated with a consumer’s credit file once any current or new creditor or business begins reporting that SSN as part of that consumer’s credit payment history. Additionally, it may be helpful for individuals to proactively work with the credit bureaus to associate their existing credit history with their new SSN.









The City of Seattle provides the primary funding for the Mercy Corps Northwest IDA Business Grant program and 0%-Interest Microloan program.  Through the Office of Economic Development, the City has outreach teams on the ground in disadvantaged and underserved areas working with Mercy Corps Northwest to deliver the technical assistance and financial services entrepreneurs need to launch, maintain, and grow their businesses.

Whether you are a new entrepreneur, an experienced business owner, or managing a company, the Seattle Public Library has services that can help you succeed.  Staff meet one-on-one with you to size up your industry, discover customer demographics, find information about markets, improve your business skills, and find referrals to other business assistance organizations.