An ITIN can build credit
An Individual Taxpayer Identification Number (ITIN) is issued by the IRS to people who file taxes without a Social Security number. Many lenders accept an ITIN in place of an SSN to open accounts — and those accounts report to the same three bureaus, building the same credit history.
If you don't have an ITIN yet, you can apply with IRS Form W-7, usually alongside a tax return.
Start with accounts that accept an ITIN
Secured credit cards from ITIN-friendly banks and credit unions are the usual starting point. Community development credit unions and several large banks open secured cards and small 'credit-builder' loans with an ITIN and a passport or consular ID.
A credit-builder loan is a small loan the lender holds in savings while you make payments; those on-time payments report, and you get the money at the end.
Add history you've already earned
Rent reporting services can add up to 12–24 months of on-time rent to your file. Becoming an authorized user on a trusted family member's older, well-paid card can also add their history to yours.
Keep your identity consistent
Use the same name and ITIN exactly the same way on every application so your accounts report to one file, not several fragments. Check your reports after a few months to confirm everything is landing on the same profile.
Building credit with an ITIN is slower to start but works the same once it's going. Subefy supports ITIN onboarding, matches ITIN-friendly cards, and works entirely in your language. Results vary and approval depends on each lender.