How to check credit score without ssn?

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Checking your credit score is an important step in managing your financial health. However, what if you don’t have a Social Security Number (SSN)? Can you still check your credit score? In this article, we will explore various methods and alternatives to check your credit score without an SSN.

Using Alternative Identifiers

Employer Identification Number (EIN): If you own a business, you can use your Employer Identification Number (EIN) to check your credit score. The EIN is a unique nine-digit number issued by the Internal Revenue Service (IRS) to identify businesses for tax purposes. Some credit bureaus allow individuals with an EIN to establish credit profiles and obtain credit scores.

Individual Taxpayer Identification Number (ITIN): If you are not eligible for an SSN but have a legal requirement to file taxes in the United States, you can apply for an Individual Taxpayer Identification Number (ITIN). While an ITIN is primarily used for tax purposes, some credit bureaus may accept it as an alternative identifier to check your credit score.

Using Credit Monitoring Services

Experian CreditWorks: Experian offers a credit monitoring service called CreditWorks that allows individuals without an SSN to check their credit scores. By providing alternative identification information, such as an ITIN, you can access your credit score and receive alerts about changes to your credit report.

TransUnion Credit Monitoring: TransUnion also provides credit monitoring services that allow individuals without an SSN to check their credit scores. By verifying your identity through alternative means, such as an ITIN, you can access your credit information and receive alerts about any changes.

Obtaining a Credit Report is a website authorized by the federal government to provide free annual credit reports from the three major credit bureaus – Equifax, Experian, and TransUnion. While the credit reports obtained from this website do not include credit scores, they provide valuable information about your credit history, including accounts, payment history, and inquiries.

Building Credit History

If you don’t have an SSN and want to establish credit history, there are alternative ways to do so. Consider the following options:

Secured Credit Cards: Secured credit cards require a cash deposit as collateral, which serves as your credit limit. By using a secured credit card responsibly and making timely payments, you can build a positive credit history.

Authorized User: If you have a family member or friend with a good credit history, you can ask them to add you as an authorized user on their credit card. This allows you to benefit from their positive credit history, helping you establish your own credit.


While not having an SSN can present challenges when checking your credit score, there are alternatives available. By using alternative identifiers, utilizing credit monitoring services, obtaining credit reports, and building credit history, you can still manage and monitor your credit health effectively.


– Experian:
– TransUnion: