How to Build Credit with No SSN

Social Security Numbers (SSN) were first issued in 1936. This nine-digit number is assigned to all American citizens, permanent residents and temporary working residents. The primary purpose of an SSN is to track individuals in relation to income taxes. Although an SSN is an essential piece of identification, you can build credit history without one.

Instructions

1

Open a bank account. Credit applications require you to provide your bank information. Call the bank beforehand and ask what identification and deposit amount is required. Sometimes a driver license or utility bill in your name is all you need. Some banks offer free checking with no deposit required.

2

Apply for a secured credit card. This type of card requires you to pay a security deposit so apply, pay the deposit and obtain a secured credit card from your bank or credit union. Do not miss payments, default on payments or max out the card--all of which result in a poor credit score.

3

Open a student credit account if you are a full-time student. These accounts are easier to open without a credit history. You can find application forms at a campus registrar's office.

4

Apply for a car loan to help build credit if you are in the market to purchase or finance a vehicle. Auto loan dealers sometimes give no-credit loans at a higher rate of interest. Car payments or lease payments are reported monthly to credit reporting agencies and can help establish a good credit score for you as you make timely payments.