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Contrary to popular belief, a creditor may perform a hard credit check without a Social Security number. Experian, for example, uses the identification details provided by the creditor or lender to add remarks to credit reports.
One of the most common misconceptions about credit reports is that a creditor cannot report you if they do not have your social security number. Not only is this false, but it is also more likely than you think that they actually do have your social security number.
Some credit card companies let you add an authorized user without providing that individual's Social Security Number (SSN). You only need their name, birthday and address in some cases. But requirements vary by credit card company, and not all of them will allow you to add an authorized user with no SSN.
While you may not need an SSN to access credit, with only one or two exceptions, however, you will need a credit file at a credit bureau. Fortunately, though, the bureaus don't require an SSN to set up, report or score your credit history.
If you have a credit card account, that account will be reported to the credit bureaus and the credit bureaus will use available personal identifiers to compile a credit report. If you don't have a Social Security number, these identifiers include your name, date of birth, address, and employment history.