Sergey_P wrote:У жены уже несколько лет своя Амех + совместная Виза, истории в эквифаксе нет. Сказали с ITIN и быть не может, SSN недавно получен и очевидно его не отрепортили еще.. Амех вообще с Эквифаксом не дружит, а виза похоже только праймари владельца репортит.
Странно. Я не знаю, как там обстоят дела в Equifax, но вот, что говорит по этому поводу Experian (эта ссылка уже цитировалась на Привете)
Experian | Credit advice | Ask Max
Experian wrote:Dear Max,
I came to the United States four years ago with my husband, and I was originally ineligible for a Social Security number (SSN), so I got an Individual Taxpayer Identification number (ITIN). I used it for all tax and credit-related things. Eventually, I became eligible for an SSN and received it. As requested in the ITIN instructions, I have informed the IRS that I will be using the new SSN instead of the ITIN for tax filing purposes.
Do I need to inform all credit agencies and/or creditors about my new SSN or will it be added automatically to my credit history files? I do not want to lose my good credit history because of this change.
- SKI
Dear SKI,
An Individual Taxpayer Identification Number (ITIN) is used primarily by immigrants for all of the things you describe until they receive a Social Security number (SSN).
You've done all the right things with regard to the ITIN. You don't need to contact Experian about now using your new SSN. Just let your current lenders know that you now have an SSN so that they can update their records.
When the creditors report your accounts with the new SSN, Experian will update your credit history automatically. You won't lose the positive credit history you've worked hard to establish.
Both numbers may appear on your credit report because they are accurately associated with you, but that shouldn't cause any problems.
