August 27, 2021

Do you know what are the advantages and disadvantages of a mortgage loan?

We have more and more doubts about the accesses that people with ITIN Number have or not and how to review credit reports is part of this set.

Here we bring you two services or credit agencies that allow you to access your credit report with your ITIN number.

The first is Credit Sesame, it is a free credit monitoring service with an easy and quick access interface. Register, having your report and credit score (FICO) at your disposal only takes a few minutes.

To register you must write your ITIN number where it asks for your social security number (SSN). Below, you will see recommendations for having a good credit score and a list of your open credit accounts.

Finally, we present you Annual Credit Report, which is the agency in charge of processing credit reports for free. For security and privilege, the online system only allows you to use a valid social security number, but there is another way to check your credit if you do not have that number.

With ITIN Number, you must send your application by mail, filling out a form and writing your ITIN Number in the SSN field and finally, send it in an envelope to the following address:

• Annual Credit Report Request Service
• P.O. Box 105281
• Atlanta, GA 30348-5281

It should be noted that you can only obtain the credit report from the Experian agency, since TransUnion and Equifax will ask you for more information and will need proof of your social security number. It is a secure source and they only ask for your information to verify your identity.

Many people resort to applying for a credit card, knowingly not qualifying, to check their credit report. However, this is the worst way to check your credit report with ITIN, so we suggest you avoid doing this since every time some entity checks your credit, the score goes down, yes, you read LOW correctly.

Although it is an unusual way to view your credit report with ITIN, each time you apply for a credit card and it is denied, you legally acquire the right to see the information used by the bank, including a credit report from a bank. from the three credit bureaus (TransUnion, Equifax, or Experian).

After applying for a credit card, you receive a letter in the mail stating the reason why you were not approved. You can write to the address that appears in said letter (usually from a credit bureau) and request a copy of your credit report .

You can check your credit report with ITIN, through this method, but WE DO NOT RECOMMEND IT.