can you build your credit without social security number?

Question

friend of mine lives and works in Chicago. In order to pay his taxes he obtained tax id number. Can he use this number to build his credit?

Answer 1

If he's not legally entitled to a SSN, yes, an ITIN can be used. If he was legally entitled to an SSN, an ITIN would not have been issued.

I work with a guy who did exactly that. He's a permanent resident with an SSN now, but while he was still a student intern and then an H1-B holder he used his ITIN for work and to get a car loan and home mortgage.

Answer 2

IF he filed using an ITIN number that number is to be used for TAX purposes only,

Are ITINs valid for identification?
No. ITINs are not valid identification outside the tax system. Since ITINs are strictly for tax processing, IRS does not apply the same standards as agencies that provide genuine identity certification.
ITIN applicants are not required to apply in person, and IRS does not further validate the authenticity of identity documents. ITINs do not prove identity outside the tax system, and should not be offered or accepted as identification for non-tax purposes.

Are ITINs valid for work purposes?
No. ITINs are for federal income tax purposes only

http://www.irs.gov/individuals/article/0,,id=96287,00.html#valid

Answer 3

How is he legally working without a social security number? An employer is not suppose to use a Tax ID number as social secuirty number for payroll purposes. This could cause a huge problem for his employer as well as himself..

Answer 4

NO SS#, no credit record to build onto.

Everything in a credit report keys to SS# for starters

Answer 5

no

Answer 6

NO