Can You Check Your Credit Score Without a Social Security Number?

A young woman looks at her phone while holding a coffee cup in her other hand.

A Social Security number (SSN) is helpful when compiling your credit history because it is the only identifier uniquely assigned to each U.S. consumer. Experian will ask for it when you order your own credit report to help ensure that we provide you a complete and accurate report. If you don't have an SSN, however, Experian will rely on other identification elements to compile your credit history.

In addition to your Social Security number, Experian asks for other identifying information, including your name, addresses for the past two years and your date of birth. This is used to access the credit history information provided to us by your lenders so we can deliver your credit report.

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.

Can You Establish Credit Without a Social Security Number?

Lenders typically require a Social Security number when you apply for a credit account. However, if you opened an account without an SSN and the lender reports its accounts to Experian, the account should still appear on your credit report, helping you establish credit. That's because Experian doesn't match information to a person's credit history using only the SSN: Experian matches information using all of the identification information provided by the lender.

If you are just starting to establish credit in your name, or if you have not used credit in quite some time, it is possible that you may not have a credit score even if you have a credit report. There are many different credit scoring models available for lenders to use. While some may be able to calculate a score with as little as one account appearing on your report, others may require multiple accounts to be reported for a certain period of time in order to generate a credit score. Credit scores often require three to six months of activity to be reported before the account will be included in score calculations.

Even if you had an established credit history in the past, some credit score models may not be able to generate a score if there has been no activity on any of your accounts in the past several months.

Can I Request a Credit Report With an Individual Taxpayer Identification Number (ITIN)?

An Individual Taxpayer Identification Number (ITIN) is issued to an individual for tax purposes. These numbers, if used, would be recognized as an invalid Social Security number on your credit report.

If you do not have an SSN, you can submit your request for a free credit report in writing. Please include one copy of a government-issued identification card, such as a driver's license, state ID card or similar displaying your current address, and one copy of a current utility bill, bank statement, insurance statement or similar.

Please also include the following identification information:

  • Your full name including middle initial (and generation - Jr., II, III)
  • Social Security number
  • Date of birth
  • Complete addresses for the past two years

Send your request to:


P.O. Box 9701

Allen, TX 75013

What Is a Credit Privacy Number (CPN)?

A Credit Privacy Number (CPN) is a term coined by credit repair firms and other companies in an attempt to convince consumers that they can purchase a "Social Security number replacement" to use for the purpose of obtaining new credit. This may also be referred to as a Credit Profile Number or a Credit Protection Number.

Unlike Social Security numbers and Individual Taxpayer Identification Numbers, a CPN is not issued by the Social Security Administration nor the IRS. Using these fictional and sometimes stolen numbers to apply for credit instead of your SSN may be considered a form of identity theft and fraud.

How Can I Get or Replace a Social Security Card?

If you have lost your Social Security card or need a new one due to a name change, you will need to contact the Social Security Administration to request a replacement. You can do so either online (in most states), through the mail or by going to your local SSA office. Be prepared to provide proof of citizenship (a U.S. birth certificate or passport) and/or proof of identity, such a driver's license or state-issued identification card.

If you are an adult and are requesting a Social Security number or card for the first time, the process may be somewhat different. You can read more about how to do this on the Social Security Administration website.

Ordering Your Credit Report and Credit Score

You can order your free Experian credit report and your free credit score from Experian online anytime. You can also request your credit report by calling 888-EXPERIAN (888-397-3742).

If you do not have a Social Security number, you may be asked to send your request in writing, along with proof of your identity, such as a copy of your driver's license and a utility bill or bank statement. Send your request to:


P.O. Box 9701

Allen, TX 75013

When you order your credit report from Experian by phone or by mail, a credit score will be included.

You can also request a free copy of your credit report from each of the three credit reporting companies at, but you will need to enter a Social Security number. Experian, TransUnion and Equifax are offering free reports weekly to all U.S. consumers through this website.

How Good Is Your Credit Score?

300 credit score301 credit score302 credit score303 credit score304 credit score305 credit score306 credit score307 credit score308 credit score309 credit score310 credit score311 credit score312 credit score313 credit score314 credit score315 credit score316 credit score317 credit score318 credit score319 credit score320 credit score321 credit score322 credit score323 credit score324 credit score325 credit score326 credit score327 credit score328 credit score329 credit score330 credit score331 credit score332 credit score333 credit score334 credit score335 credit score336 credit score337 credit score338 credit score339 credit score340 credit score341 credit score342 credit score343 credit score344 credit score345 credit score346 credit score347 credit score348 credit score349 credit score350 credit score351 credit score352 credit score353 credit score354 credit score355 credit score356 credit score357 credit score358 credit score359 credit score360 credit score361 credit score362 credit score363 credit score364 credit score365 credit score366 credit score367 credit score368 credit score369 credit score370 credit score371 credit score372 credit score373 credit score374 credit score375 credit score376 credit score377 credit score378 credit score379 credit score380 credit score381 credit score382 credit score383 credit score384 credit score385 credit score386 credit score387 credit score388 credit score389 credit score390 credit score391 credit score392 credit score393 credit score394 credit score395 credit score396 credit score397 credit score398 credit score399 credit score400 credit score401 credit score402 credit score403 credit score404 credit score405 credit score406 credit score407 credit score408 credit score409 credit score410 credit score411 credit score412 credit score413 credit score414 credit score415 credit score416 credit score417 credit score418 credit score419 credit score420 credit score421 credit score422 credit score423 credit score424 credit score425 credit score426 credit score427 credit score428 credit score429 credit score430 credit score431 credit score432 credit score433 credit score434 credit score435 credit score436 credit score437 credit score438 credit score439 credit score440 credit score441 credit score442 credit score443 credit score444 credit score445 credit score446 credit score447 credit score448 credit score449 credit score450 credit score451 credit score452 credit score453 credit score454 credit score455 credit score456 credit score457 credit score458 credit score459 credit score460 credit score461 credit score462 credit score463 credit score464 credit score465 credit score466 credit score467 credit score468 credit score469 credit score470 credit score471 credit score472 credit score473 credit score474 credit score475 credit score476 credit score477 credit score478 credit score479 credit score480 credit score481 credit score482 credit score483 credit score484 credit score485 credit score486 credit score487 credit score488 credit score489 credit score490 credit score491 credit score492 credit score493 credit score494 credit score495 credit score496 credit score497 credit score498 credit score499 credit score500 credit score501 credit score502 credit score503 credit score504 credit score505 credit score506 credit score507 credit score508 credit score509 credit score510 credit score511 credit score512 credit score513 credit score514 credit score515 credit score516 credit score517 credit score518 credit score519 credit score520 credit score521 credit score522 credit score523 credit score524 credit score525 credit score526 credit score527 credit score528 credit score529 credit score530 credit score531 credit score532 credit score533 credit score534 credit score535 credit score536 credit score537 credit score538 credit score539 credit score540 credit score541 credit score542 credit score543 credit score544 credit score545 credit score546 credit score547 credit score548 credit score549 credit score550 credit score551 credit score552 credit score553 credit score554 credit score555 credit score556 credit score557 credit score558 credit score559 credit score560 credit score561 credit score562 credit score563 credit score564 credit score565 credit score566 credit score567 credit score568 credit score569 credit score570 credit score571 credit score572 credit score573 credit score574 credit score575 credit score576 credit score577 credit score578 credit score579 credit score