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Best Practices for ITIN Borrowers and Borrowers Without a SSN
Identifying Info Required
If your borrower doesn't have a SSN, additional identifying info is required to access credit history accurately.
✔ Full Name (middle name/initial may be needed)
✔ Address(es) lived at in the past 24 months
✔ Date of Birth
Pulling Without a SSN
When pulling a credit report for a borrower without a SSN you should use 000-00-0009 as the SSN. Although you can use an ITIN it is not recommended as that field is specifically for SSN and can cause issues with mixed files.
Rescores Without a SSN
You can order a rescore for a borrower without a SSN on Equifax and TransUnion, however you cannot order a rescore on Experian as they do require a valid SSN to process a rescore.
Non-Purchasing Spouse
If you need to pull credit for a nonpurchasing spouse that doesn't have a SSN you should use 000-00-0000 as the SSN. Although you can use an ITIN it is not recommended as that field is specifically for SSN and can cause issues with mixed files.
Have questions or need help on a file? Give us a call!
800-327-3348
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