How to Build Your FICO Credit Score Without a SSN

Moving to the U.S. as an international student is exciting, but there are some things you might not expect (like how important your credit score is). In many countries, credit scores don’t exist or are not important. But in the U.S., your credit score plays a huge role in everyday life.

It affects your ability to:

• Rent an apartment (landlords often check your credit)
• Get a car loan (you’ll need credit to finance a car)
• Apply for a credit card (good credit = better perks)
• Even land a job (some employers check credit reports)

So, how do you start building credit, especially without a Social Security Number (SSN)? Let’s break it down.

How Does the FICO Credit Score Work?

The FICO credit score is the most widely used credit rating system in the U.S. It ranges from 300 to 850, and no one starts with a perfect score. You build it over time by borrowing money (through loans or credit cards) and paying it back responsibly.

Here’s what makes up your FICO score:

1. Payment History (35%) – Do you pay your bills on time?
2. Amounts Owed (30%) – How much of your available credit are you using?
3. Length of Credit History (15%) – How long have you had credit?
4. Credit Mix (10%) – Do you have different types of credit (loans, credit cards)?
5. New Credit (10%) – Have you applied for new credit recently?

Why Is It Hard to Build Credit Without a SSN?

Most U.S. banks require a SSN to open credit accounts. That’s a problem for many international students who aren’t eligible for one right away—or at all. Without credit history, it becomes harder to get approved for apartments, loans, and even certain cell phone plans.

So, How Can You Build Credit Without a SSN?

Good news: you have options! While many banks make it tough, some solutions cater specifically to international students. For instance, Adro lets you open a U.S. bank account and start building credit without needing a SSN. It’s designed with students like you in mind, making the whole process less stressful.

Here are other ways to build credit:

1. Apply for an ITIN (Individual Taxpayer Identification Number)

Some lenders accept an ITIN instead of a SSN. It’s used for tax purposes but can also help you access credit products.

2. Become an Authorized User

If you have a family member or close friend in the U.S. with good credit, they can add you to their credit card. You benefit from their positive payment history without being responsible for the bill.

3. Use Adro to Build Credit from Day One

Adro makes the process smoother by letting you establish credit without the usual paperwork headaches. Plus, you can manage everything from a user-friendly app, which is pretty convenient when you’re managing classes and social life.

Tips for Building Good Credit Fast

• Pay on time. Even one late payment can hurt your score.
• Keep credit usage low. Aim to use less than 30% of your credit limit.
• Don’t apply for too much credit at once. It can lower your score.
• Check your credit reports regularly. Make sure there are no errors.

Conclusion

Building credit in the U.S. might seem confusing, but it’s super important and totally doable. With options like Adro and other smart strategies, you can start establishing credit even without a SSN.