Can You Check Your Credit Score Without a Social Security Number? (2024)

FAQs

Can You Check Your Credit Score Without a Social Security Number? ›

You may be able to use an Individual Taxpayer Identification Number, passport number, an alien identification number, or government-issued identification instead. You should check directly with financial institutions to find out what type of identification they require.

A soft pull does not require their social security number or date of birth. The credit report is no different than what the bank or lender will see when they pull the report: One helpful aspect of soft pulls is that they contain the same information as hard pulls.

If you do not wish to provide your S.I.N., you will need to select a different option to submit your request such as mail or in person. If/when you complete the identity validation process, your credit report will be sent to your home address via Canada Post within 5-10 days.

Personally Identifiable Information (PII)

Your name, address, Social Security Number, date of birth and employment information are used to identify you.

While you may not need an SSN to access credit, with only one or two exceptions, however, you will need a credit file at a credit bureau. Fortunately, though, the bureaus don't require an SSN to set up, report or score your credit history.

If you want to check your credit history without an SSN, you may need to physically mail a credit report request form to the bureaus with your ITIN in place of an SSN. You can find the instructions for Experian and TransUnion online. Equifax might let you check your report online.

You can view the soft inquiries on your credit reports. If you want to get copies of your credit report, you can request one free copy from each major credit bureau (Experian, Equifax and TransUnion) weekly through AnnualCreditReport.com. You can also check your Experian credit report for free.

Personal details like your name, home address and date of birth. A list of any types of credit you currently have, including any bank accounts, loans and credit card accounts, and any outstanding debts. Details of your repayment history, including any missed or late payments.

While the general public can't see your credit report, some groups have legal access to that personal information. Those groups include lenders, creditors, landlords, employers, insurance companies, government agencies and utility providers.

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2023, the average FICO^® Score^☉ in the U.S. reached 715.

What documents do I need for a credit check? ›

To check your CIBIL score for Free in just few minutes, you only need to mention few basic details, such as your full name, mobile number and email address in the below form and receive monthly updates.

Collect Candidate Information: Personal identifying information, including the candidate's name, mailing address, and date of birth are all required to complete a credit check. Choose a Credit Reporting Agency: Select a reputable credit report provider or credit bureau to obtain the credit report.

An ITIN, or Individual Taxpayer Identification Number, is a tax processing number only available for certain nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number (SSN). It is a 9-digit number, beginning with the number "9", formatted like an SSN (NNN-NN-NNNN).

Key to verifying your identity are your date of birth and Social Security number (SSN). You must be 18 or older to apply for a credit card. Currently, Discover only accepts SSN to verify your identity; you can't use an ITIN (Individual Taxpayer Identification Number).

While some other U.S. banks require a social security number, Bank of America does not require an SSN to open a bank account in the U.S. However, you'll need to provide two forms of identification.

Your credit report can't be obtained by just anyone, even if they want to perform a soft credit check instead of a hard one. The FCRA lays out in what situations a credit reporting bureau can provide others access to your report.

How a Soft Credit Check Works. Financial institutions and creditors may want to know whether you are managing your debt and credit history effectively. Creditors might also want to know information such as the number of late payments or your credit usage, such as how much you have borrowed on each loan or credit card.

Many financial institutions, such as banks and credit companies, also ask for your number when you open an account. If you are a noncitizen with permission to work in the United States, you may also need an SSN.