Can immigrants with ITIN numbers access free credit reports?
Yes, but it is not so easy. Consumers without SSN cannot request copies of their credit report online – neither at www.annualcreditreport.com nor directly from credit bureaus. Consumers without a SSN can print and manually complete the application – with their ITIN number in place of the SSN – and mail it in as a written request. If the credit bureau is able to match the consumer application with a consumer in their files, they will mail the consumer a copy of their credit report. FAQ: Many websites market free credit reports and scores. Are they free? Many websites and companies market free reports with scores. While some are spam, many are legitimate sites like the major credit bureaus and Fair Isaac. However, read the fine print – in most offers, the consumer must provide a credit card and is automatically signed up for an ongoing fee-based service such as credit monitoring or ID theft protection, with a monthly or annual fee. There is often a 30-day cancellation policy, so If the c
