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As of Aug. 28, 2023, American Express will require a Social Security number or Individual Taxpayer Identification Number from everyone who submits an application for a U.S. consumer credit card. Previously, AmEx had allowed some eligible newcomers to the U.S. to bypass this requirement.
If you do not have a Social Security number, credit bureaus can access your credit history using the other identifiers like your name, date of birth, address, and employment history.
You can get access to your free credit report once every 12 months if you call the Annual Credit Report at 1-877-322-8228. You will give them your address, the last four digits of your Social Security number, and birth date. Finally, you'll choose which credit bureau you want your report from.
Many countries, including Canada and the U.K., have credit scoring systems that are similar to the American system.
As of Aug. 28, 2023, American Express will require a Social Security number or Individual Taxpayer Identification Number from everyone who submits an application for a U.S. consumer credit card. Previously, AmEx had allowed some eligible newcomers to the U.S. to bypass this requirement.