Social Security Number

Will applying for multiple credit cards or loans harm my credit score?

Yes, applying for several credit products within a short time frame can have a negative impact on your credit score. This is because each application typically results in a “hard inquiry” on your credit report, which can lower your score temporarily. It is best to space out credit applications and only apply when necessary.

When to Apply for a Social Security Number?

Students and visiting scholars must be physically present in the U.S. to apply for an SSN. The Social Security Administration (SSA) is required to verify your legal entry into the U.S. before issuing an SSN. You must wait at least 10 days after entering or re-entering the US to apply in order for your admission record to be verified.

What happens to my credit history if I leave the U.S.?

If you leave the U.S., your credit history will remain on file with the credit bureaus. Should you return to the U.S. in the future, your credit history will still be relevant. However, most other countries do not transfer credit history from the U.S., meaning you would need to build a new credit history in the country you move to.

Where can I apply for an SSN?

You can apply for an SSN at your local Social Security Administration (SSA) office. You must bring all the necessary documents with you to apply in person.

How long does it take to receive my SSN after applying?

Once you apply, it typically takes about 2 to 4 weeks to receive your SSN card in the mail.

How can I check my credit history if I have an SSN?

You can check your credit history through the three main credit reporting agencies in the U.S.: Equifax, Experian, and TransUnion. You are entitled to one free credit report from each agency every 12 months, which you can request through AnnualCreditReport.com.if you are new to the U.S. and have not used any credit products yet, you may not have any credit history available.

Can I work while waiting for my social security number?

You may work while the Social Security number application is being processed. There is no provision in the law that requires employers to have their employees’ SSNs before hiring them. There is no provision that prohibits an employee from beginning work if he or she has not yet obtained an SSN. However, you must have employment authorization from your program sponsor or USCIS befor

Does having an SSN automatically give me a credit history?

No, having an SSN alone does not automatically establish a credit history. Your credit history is built over time as you use financial products such as credit cards, loans, or other forms of credit that are reported to credit bureaus.

Can I apply for a credit card without an SSN?

Yes, some financial institutions allow students to apply for a credit card without an SSN. Many credit card companies will accept an Individual Taxpayer Identification Number (ITIN) instead of an SSN, especially for international students. However, having an SSN can make the application process easier and help you build credit in the U.S.

Is my SSN required to open a bank account?

No, many U.S. banks allow international students to open bank accounts without an SSN. However, some banks may request an SSN or ITIN for certain accounts or services.