[Natfinwellness] International Students & Credit Reports

Fri Dec 4 13:36:26 EST 2015

I checked with a nationally known expert on credit reports and scores and here's what he said.

IF an international student has a credit report, they wouldn't be able to use the online options to pull a credit report because those all require a SSN. They'd have to write to the bureaus and then likely respond to the bureau's request for alternate identification.

Brenda J. Cude, Ph.D.
Professor and Undergraduate Coordinator
Department of Financial Planning, Housing and Consumer Economics
102 Consumer Research Center
College of Family and Consumer Sciences
The University of Georgia
706-542-4857
http://www.linkedin.com/in/brendacude/
bcude at uga.edu<https://bluprd0210.outlook.com/owa/redir.aspx?C=vOIcKdF-3E-1tQaJcKgYQF7RyIsVntAImS-Xqj8YC7a38WwtY4lVWDFxHZFCLgm286cvpkiARdE.&URL=mailto%3asworthy%40uga.edu>
Mailing Address: Department of Financial Planning, Housing and Consumer Economics, Dawson Hall, University of Georgia, Athens, GA 30602
<https://bluprd0210.outlook.com/owa/redir.aspx?C=vOIcKdF-3E-1tQaJcKgYQF7RyIsVntAImS-Xqj8YC7a38WwtY4lVWDFxHZFCLgm286cvpkiARdE.&URL=mailto%3asworthy%40uga.edu>

________________________________
From: Natfinwellness <natfinwellness-bounces at lists.osu.edu> on behalf of Cheryl White <cwhite at ofa.rutgers.edu>
Sent: Thursday, December 3, 2015 5:36 PM
To: Coaching at rockinbb.com; National Financial Wellness Listserv
Subject: Re: [Natfinwellness] International Students & Credit Reports

I agree.  This would be the only way.   Cheryl

________________________________
From: "Coach Christine Odle" <Coaching at rockinbb.com>
To: "National Financial Wellness Listserv" <natfinwellness at lists.osu.edu>
Sent: Thursday, December 3, 2015 5:33:10 PM
Subject: Re: [Natfinwellness] International Students & Credit Reports

I believe the credit report would be associated with the ITIN – That would be the number they use on any credit application they use as well.

Christine Odle

[www.rockinbb]<http://www.rockinbb.com/>

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From: Pellegrini, Andrea [mailto:apelleg3 at uillinois.edu]
Sent: Thursday, December 03, 2015 2:27 PM
To: National Financial Wellness Listserv
Cc: Williamson, Sheri Anna (Graduate Assistant Student Worker)
Subject: [Natfinwellness] International Students & Credit Reports

Hello All!

We have a very large international student population, and a question we have been asked a few times has come up with our students: “How can an international student, who does not have a social security number, check their credit report?”

We reached out to Experian quite a while back, but didn’t get a response (then I forgot about it!). We know that they can have credit histories since they have ITINs, sign rental leases/agreements and can use financial products and services, but it is unclear how to pull that information for the student to review/monitor.

Any suggestions would be greatly appreciated!

Best,

Andrea

Andrea Pellegrini, Assistant Director

USFSCO – Providing Solutions

Student Money Management Center

P: 217.333.6228<tel:217.333.6228>

apelleg3 at uillinois.edu<mailto:apelleg3 at uillinois.edu>

studentmoney.uillinois.edu<http://studentmoney.uillinois.edu/>

paymybill.uillinois.edu<http://paymybill.uillinois.edu/>

University of Illinois

Urbana-Champaign, Chicago, Springfield

obfs.uillinois.edu

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Under the Illinois Freedom of Information Act (FOIA), any written communication to or from University employees regarding University business is a public record and may be subject to public disclosure.

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--
Cheryl White
Associate University Director of Financial Aid
Default Management & Financial Literacy
Rutgers University Financial Aid Office
620 George Street
New Brunswick, NJ 08901-1175

p.  848-932-2632  f. 732-932-0516
Email: cheryl.white at ofa.rutgers.edu

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