What is Credit?

Even if you do not have a SSN, an Individual Tax Identification Number (ITIN) allows you to build credit, open a bank account, and file your taxes. Gaining credit without immigration status can be extremely difficult and confusing. However, there are ways to build good credit and to receive financing without a SSN. The following sections are aimed to help you understand how credit works, as well as actions you can take to build good credit and start accessing capital.