secured credit card
I now have my secured credit card from Citibank.
In a couple of months of usage of the card can I then check with Experian on how my credit score is WITHOUT supplying my SSN? No SSN is not needed when applying for a citibank secured card just a downpayment of min $200 which will be your credit limit. |
Re: secured credit card
Originally Posted by whatadiva
(Post 7369944)
I now have my secured credit card from Citibank.
In a couple of months of usage of the card can I then check with Experian on how my credit score is WITHOUT supplying my SSN? No SSN is not needed when applying for a citibank secured card just a downpayment of min $200 which will be your credit limit. Before I had the account I did try in the summer to get a credit score and it would not allow me to do so without the SSN. |
Re: secured credit card
Someone correct me if I'm wrong, but I was told that you couldn't actually start building a credit history (and hence a credit score) until you had an SSN.
My wife had an ITIN for years because her H4 wasn't eligible for an SSN, and as far as I know she didn't start building a score, despite having her own cards and being on our mortgage. |
Re: secured credit card
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Re: secured credit card
Originally Posted by dbj1000
(Post 7370042)
Someone correct me if I'm wrong, but I was told that you couldn't actually start building a credit history (and hence a credit score) until you had an SSN.
My wife had an ITIN for years because her H4 wasn't eligible for an SSN, and as far as I know she didn't start building a score, despite having her own cards and being on our mortgage. |
Re: secured credit card
Originally Posted by Poppy girl
(Post 7370119)
http://www.mytruston.com/blog/credit...out_a_ssn.html
http://www.docdroppers.org/wiki/inde...without_an_SSN http://www.marketwatch.com/news/stor...F815FF8D627%7D 3 interesting links. |
Re: secured credit card
Originally Posted by Poppy girl
(Post 7370119)
http://www.mytruston.com/blog/credit...out_a_ssn.html
http://www.docdroppers.org/wiki/inde...without_an_SSN http://www.marketwatch.com/news/stor...F815FF8D627%7D 3 interesting links. |
Re: secured credit card
Originally Posted by whatadiva
(Post 7370246)
LOL I just saw your location Altamont, I live on Altamont Dr, SD :)
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Re: secured credit card
Originally Posted by dbj1000
(Post 7370042)
Someone correct me if I'm wrong, but I was told that you couldn't actually start building a credit history (and hence a credit score) until you had an SSN.
In this case, the OP should check whether their secured card from Citi reports at all. Not all do and those that do often report differently. As has been posted before, what one wants is a secured card that reports as unsecured. BoA is the gold standard (as it goes unsecured in just under a year) and Orchard Bank the best of the easily obtainable ones. |
Re: secured credit card
Originally Posted by chartreuse
(Post 7384604)
Kind of. You won't be able to get a FICO score until you've got a SSN and 6 months of history, but if you can establish trade lines with an ITIN, then port them to your report when you get your SSN, the age of the account should come with. That's useful, because length of history is a factor in calculating FICO scores. So look at it as prep work to improve your score when you eventually get one.
In this case, the OP should check whether their secured card from Citi reports at all. Not all do and those that do often report differently. As has been posted before, what one wants is a secured card that reports as unsecured. BoA is the gold standard (as it goes unsecured in just under a year) and Orchard Bank the best of the easily obtainable ones. Boy, I wish I'd had some of this knowledge 6 years ago when I was starting out in the US! |
Re: secured credit card
Originally Posted by whatadiva
(Post 7369944)
I now have my secured credit card from Citibank.
In a couple of months of usage of the card can I then check with Experian on how my credit score is WITHOUT supplying my SSN? No SSN is not needed when applying for a citibank secured card just a downpayment of min $200 which will be your credit limit. |
Re: secured credit card
Originally Posted by Deedee13
(Post 7385622)
how can u get a credit score with no SSN? u got me on this one..
|
Re: secured credit card
Originally Posted by Deedee13
(Post 7385622)
how can u get a credit score with no SSN? u got me on this one..
|
Re: secured credit card
could someone rent a car with a citibank secured credit card?
thankyou. |
Re: secured credit card
Originally Posted by MyGreenCard
(Post 7386911)
could someone rent a car with a citibank secured credit card?
thankyou. |
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