Question about credit score

[TRFG]

I recently got a SSN but had a credit card with Bank of America (where they had no SSN for my file) for an year. If I were to provide Bank of America with my SSN would they share past credit history with the credit bureaus?

 

[JahFocus CS]

Yes, credit card companies will report to the bureaus. Do you know for sure the BoA info isn't already on your report? I'd imagine your name and address might already be enough for them to report it

 

[ⒶⓁⒾⒶⓈ]

I recently got a SSN but had a credit card with Bank of America (where they had no SSN for my file) for an year. If I were to provide Bank of America with my SSN would they share past credit history with the credit bureaus?

Yes they will.....I assume you used a Tax IDto open the account ,so it may have been linked to your SSN already..the credit Bureaus collect data and buy information ..take a look at your credit report

 

[TRFG]

Yes they will.....I assume you used a Tax IDto open the account ,so it may have been linked to your SSN already..the credit Bureaus collect data and buy information ..take a look at your credit report

I didn't use a TaxID and my address changes yearly

I'm an international student

 

[ⒶⓁⒾⒶⓈ]

I didn't use a TaxID and my address changes yearly

I'm an international student

I didnt think it was possible to open an account without ssn or tax ID...how did u do that?

 

[Meta Reign]

I didn't use a TaxID and my address changes yearly

I'm an international student

You might just get away with that.

 

[TRFG]

I didnt think it was possible to open an account without ssn or tax ID...how did u do that?

Bank of America allows you to with a passport but you have to go to a bank

 

[ⒶⓁⒾⒶⓈ]

Bank of America allows you to with a passport but you have to go to a bank

If you used the passport to get the SSN then they are linked already in the govt databases...its probably only a matter of time before the private ones catch up

could be a few months or years but it will happen

 

[TRFG]

If you used the passport to get the SSN then they are linked already in the govt databases...its probably only a matter of time before the private ones catch up

could be a few months or years but it will happen

It's a passport from a non us country tho

 

[louisvandross]

@TheRealfG Are they asking you to provide your ssn?

 

[TRFG]

@TheRealfG Are they asking you to provide your ssn?

no, I just got a SSN so I'm trying to build some credit.

 

[Meta Reign]

no, I just got a SSN so I'm trying to build some credit.

The moment you apply for credit with that new ssn and you use the same address as the one you got with the passport is when it will end up on your report. They might even do it off the strength of the same dob.

The moment that happens dispute it immediately with all 3 bureaus as if you are two completely different people. That should keep it separate.

 

[hashmander]

*has dual citizenship*
*never thought of getting free money err credit with foreign identity*
*will "look" into this some more*

 

[TRFG]

@Meta Reign man, you were right

I tried checking my score on Credit Karma and apparently the Bank of America history is on my credit report, even without the ssn .

According to credit karma my score in the low 700s from both reporting agencies. How accurate is credit karma tho?

 

[Blackout]

@Meta Reign man, you were right

I tried checking my score on Credit Karma and apparently the Bank of America history is on my credit report, even without the ssn .

According to credit karma my score in the low 700s from both reporting agencies. How accurate is credit karma tho?

Credit karma is the best free credit score checker.