Knowing your credit score is essential to evaluate your financial situation and if you are eligible for different benefits such as bank credits or car loans. You must maintain a healthy credit score; it can assure you of many things.
It would be useful to start doing a regular credit score check to avoid any errors that can damage your credit report. You need the Social Security number; if you don’t have it, you can do it with the ITIN number.
How can you check your credit score with your ITIN number?
People often think that you can’t check your credit score without a Social Security number, but the truth is that with an ITIN number, you can narrow your credit score and open a bank account.
The Individual Taxpayer Identification Number is issued to residents with foreign status or immigrants who do not yet have their documents in order. Therefore, for many procedures, you can use the ITIN number for different functions.
However, without the Social Security number, you cannot get free copies of your credit report, but with the ITIN, you can apply directly to each office by mail. In your application, you must put:
- A copy of a bank statement
- Copy of a current photo I.D.
- Copy of a utility bill in your name
Experien requests this information to order your credit score. If you prefer to order with TransUnion, you must contact their customer service through their online page or 833 – 395 – 6938.
With Equifax, you can also apply by mail; the application must be in writing and include at least two documents to prove your identity and address. You can opt for:
- Driver’s license
- A bank statement
- Cell phone bill
- Utility bill
- Lease agreement
Applications are usually sent to Annual Credit Report Service P.O. Box 105281 Atlanta, Georgia. Generally, it can take two to three weeks to be delivered to the office, so please be patient in receiving your report.
When the company receives your request, a representative will contact you or send an approval letter, but you should still allow at least two more weeks to receive your report.
Why should you stay on top of your credit report and credit score?
Finding the right way to check your credit score from time to time is essential. Maintaining a good credit report and score is vital for accessing loans, insurers and, sometimes, a good job.
Before approving a loan, lenders evaluate your credit information to determine your eligibility for the requested loan. Likewise, the status of your credit score can determine the interest rate you should adjust to at any given time.
On the other hand, employers often ask for this information to learn about your credit history and understand a little about your organization, based on which they determine whether you have the necessary qualifications to qualify for the job.
Insurance companies determine coverage and eligibility for certain policies based on your credit history. The same is true for rental property owners; with bad credit, you will not be able to access housing easily.
For almost all services and benefits from public and private companies, you need to show your credit score for them to determine if you are eligible to approve your applications.