FAQ: Can immigrants with ITIN numbers access free credit reports?

Yes, but it is not so easy. Consumers without SSN cannot request copies of their credit report online - neither at www.annualcreditreport.com nor directly from credit bureaus. Consumers without a SSN can print and manually complete the application - with their ITIN number in place of the SSN - and mail it in as a written request. If the credit bureau is able to match the consumer application with a consumer in their files, they will mail the consumer a copy of their credit report.