Social Security Number

Can I apply for an SSN without a job offer?

No, F-1 students cannot apply for an SSN unless they have received a job offer. The SSN is meant for employment and tax purposes, so proof of employment is necessary.

Will applying for an SSN affect my credit score?

No, simply applying for an SSN does not affect your credit score. Your SSN is used to track your credit activity, but it has no direct impact on your score. Your credit score is affected by your credit usage, payments, and debt management over time.

Do I need an SSN for anything besides work?

While the SSN is primarily used for work and tax purposes, some services may require an SSN. However, you do not need an SSN for general activities like opening a bank account, renting an apartment, or applying for credit cards.

What documents do I need to apply for an SSN as an F-1 student?

You typically need the following documents:Form I-20 (Certificate of Eligibility for Nonimmigrant Student Status).Valid passport.I-94 (Arrival/Departure Record).Job offers letter from your employer.A letter from your Designated School Official (DSO) verifying your employment status.For students on CPT or OPT, you may also need:

What should I do if I am denied a credit card due to a lack of credit history?

If you are denied a credit card because you do not have a credit history, you can:Apply for a secured credit card, which requires a cash deposit.Consider student credit cards, which often have lower credit requirements.Become an authorized user on someone else's credit card to help build your history.

What is a Social Security Card?

A Social Security card is required for anyone working in the U.S., including non-immigrants. It contains a unique Social Security Number (SSN) that you keep for life.  You will need the number for many purposes in the U.S. including employment and paying taxes. However, a Social Security card is not a work permit.

Do I need a credit score to rent an apartment in the U.S.?

Not always, but many landlords or property managers may check your credit history as part of the rental application process. If you do not have credit, you might need to provide other proof of financial stability, such as proof of income, or you may need a co-signer.

How can I build credit as an international student with an SSN?

To build credit, you can:Apply for a student credit card.Get a secured credit card (backed by a cash deposit).Become an authorized user on someone else’s credit card (such as a family member).Apply for a credit-builder loan or any small loan if available to students.By using credit responsibly—such as paying of

Who is eligible to apply for a Social Security Number?

F-1 students with a job offer letter and/or work permissionJ-1 students with a job offer and work permission from their DS-2019 sponsor

Can I transfer my credit history from my home country to the U.S.?

No, credit histories are typically country specific. If you move to the U.S., you will need to build a new credit history from scratch, even if you had a good credit history in your home country.