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The Daily Insight Hub

Can credit be ran without SSN?

Author

Sophia Koch

Updated on February 19, 2026

While it’s possible to have a credit report and credit score even if you don’t have an SSN, providing your full identification information is key to ensuring that the report you receive is accurate and complete.

What debit card can I get without a Social Security number?

Netspend is a pre-paid debit card that can be replenished regularly and with direct deposit. Unlike bank accounts or credit cards, it does not require personal information like name or social security number.

What do you do if you don’t have a Social Security number?

If you do not have a Social Security Number (SSN), you do not need to enter anything in the Social Security Number field (it is not required).

Can someone have no credit score?

A person may not have a credit score for many reasons, but usually, it’s the result of having a “thin credit file.” A thin credit file means having very few—typically four or fewer—credit accounts listed on a credit report. (And remember, debit card activity is not reported on your credit reports.)

Can you get a credit card without a SSN?

If you’re a new immigrant to the U.S, an international student, or other noncitizen, you may be on the lookout for credit cards without Social Security number (SSN) requirements. While these cards aren’t widely available, they do exist.

Do you need a Social Security number to apply for a credit card?

Credit cards that don’t require a Social Security number What you need to apply for a credit card depends on the issuer: American Express will accept applications from people with an ITIN or passport information. Bank of America will accept applications from people with an ITIN or passport information.

What happens if you don’t have a Social Security number?

If you don’t have a Social Security number, it’s highly likely that you have no credit or very limited credit history. Fortunately, a few issuers may approve you despite your credit situation and lack of a SSN.

Can a international student apply for a credit card without a Social Security number?

International students studying in the U.S. can apply for a Deserve® EDU Mastercard for Students without a social security number or ITIN. Instead, you’ll verify your identity by providing U.S. and permanent addresses and sharing information about what and where you’re studying.