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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Thank you Brenda. I appreciate you asking about this. I’ve heard this before too. Now I just need to find an international student that will test this out for
me!<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Have a good day,<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Kathy<o:p></o:p></span></p>
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<p class="MsoNormal" style="line-height:115%"><b><span style="font-size:9.0pt;line-height:115%;font-family:"Trebuchet MS",sans-serif;color:black">Kathy Sweedler<br>
Consumer Economics Educator</span></b><b><span style="font-size:9.0pt;line-height:115%;font-family:"Trebuchet MS",sans-serif;color:green"><br>
</span></b><b><span style="font-size:9.0pt;line-height:115%;font-family:"Trebuchet MS",sans-serif;color:black">University of Illinois Extension</span></b><span style="font-size:9.0pt;line-height:115%;font-family:"Trebuchet MS",sans-serif;color:black">
</span><span style="font-size:9.0pt;line-height:115%;font-family:"Trebuchet MS",sans-serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:115%"><span style="font-size:9.0pt;line-height:115%;font-family:"Trebuchet MS",sans-serif;color:green"><a href="mailto:sweedler@illinois.edu">sweedler@illinois.edu</a><o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:black">Follow me on Twitter
<a href="http://twitter.com/morethancoupons">@morethancoupons</a></span></i><span style="font-size:9.0pt;color:#1F497D"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Natfinwellness [mailto:natfinwellness-bounces@lists.osu.edu]
<b>On Behalf Of </b>Brenda J Cude<br>
<b>Sent:</b> Friday, December 04, 2015 12:36 PM<br>
<b>To:</b> Coaching@rockinbb.com; National Financial Wellness Listserv <natfinwellness@lists.osu.edu><br>
<b>Subject:</b> Re: [Natfinwellness] International Students & Credit Reports<o:p></o:p></span></p>
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<p style="background:white"><span style="font-family:"Tahoma",sans-serif;color:black">I checked with a nationally known expert on credit reports and scores and here's what he said.<o:p></o:p></span></p>
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<p style="background:white"><span style="font-family:"Tahoma",sans-serif;color:black">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. <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">Brenda J. Cude, Ph.D.
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">Professor and Undergraduate Coordinator</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">Department of Financial Planning, Housing and Consumer Economics</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">102 Consumer Research Center</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">College of Family and Consumer Sciences</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">The University of Georgia</span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">706-542-4857<br>
<a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.linkedin.com_in_brendacude_&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=RSfK-_yzWV09IlGq40ZWzdDsb3JwpaJuRvJK86h60rk&e=" title="Ctrl+Click or tap to follow the link" id="LPNoLP">http://www.linkedin.com/in/brendacude/</a></span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__bluprd0210.outlook.com_owa_redir.aspx-3FC-3DvOIcKdF-2D3E-2D1tQaJcKgYQF7RyIsVntAImS-2DXqj8YC7a38WwtY4lVWDFxHZFCLgm286cvpkiARdE.-26URL-3Dmailto-253asworthy-2540uga.edu&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=1uFmj4_xxPVy5oN7F2r3uvyM5trHsp3KOmKFHTUgMxA&e=" target="_blank" id="LPNoLP">bcude@uga.edu</a><br>
Mailing Address: Department of Financial Planning, Housing and Consumer Economics, Dawson Hall, University of Georgia, Athens, GA 30602<br>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"> Natfinwellness <<a href="mailto:natfinwellness-bounces@lists.osu.edu">natfinwellness-bounces@lists.osu.edu</a>>
on behalf of Cheryl White <<a href="mailto:cwhite@ofa.rutgers.edu">cwhite@ofa.rutgers.edu</a>><br>
<b>Sent:</b> Thursday, December 3, 2015 5:36 PM<br>
<b>To:</b> <a href="mailto:Coaching@rockinbb.com">Coaching@rockinbb.com</a>; National Financial Wellness Listserv<br>
<b>Subject:</b> Re: [Natfinwellness] International Students & Credit Reports</span><span style="font-family:"Tahoma",sans-serif;color:black">
<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="color:black">I agree. This would be the only way. Cheryl
<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-family:"Helvetica",sans-serif;color:black">From:
</span></b><span style="font-family:"Helvetica",sans-serif;color:black">"Coach Christine Odle" <<a href="mailto:Coaching@rockinbb.com">Coaching@rockinbb.com</a>><br>
<b>To: </b>"National Financial Wellness Listserv" <<a href="mailto:natfinwellness@lists.osu.edu">natfinwellness@lists.osu.edu</a>><br>
<b>Sent: </b>Thursday, December 3, 2015 5:33:10 PM<br>
<b>Subject: </b>Re: [Natfinwellness] International Students & Credit Reports<o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">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.
</span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:11.0pt;font-family:"Agency FB",sans-serif;color:#1F497D">Christine Odle</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> Pellegrini, Andrea [<a href="mailto:apelleg3@uillinois.edu">mailto:apelleg3@uillinois.edu</a>]
<br>
<b>Sent:</b> Thursday, December 03, 2015 2:27 PM<br>
<b>To:</b> National Financial Wellness Listserv<br>
<b>Cc:</b> Williamson, Sheri Anna (Graduate Assistant Student Worker)<br>
<b>Subject:</b> [Natfinwellness] International Students & Credit Reports</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="color:black"> <o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">Hello All!</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">We have a very large international student population, and a question we have been asked a few times has come up with our students:
<b><i><u>“How can an international student, who does not have a social security number, check their credit report?”</u></i></b></span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">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.</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">Any suggestions would be greatly appreciated!</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">Best,</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">Andrea</span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Andrea Pellegrini,</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> Assistant Director</span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> </span></b><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">USFSCO </span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">– <i>Providing Solutions</i></span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Student Money Management Center</span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">P: <a href="tel:217.333.6228" target="_blank">217.333.6228</a></span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"><a href="mailto:apelleg3@uillinois.edu" target="_blank">apelleg3@uillinois.edu</a></span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-family:"Helvetica",sans-serif;color:black"><o:p> </o:p></span></p>
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<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"><a href="http://studentmoney.uillinois.edu/" target="_blank"><span style="color:purple">studentmoney.uillinois.edu</span></a></span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"><a href="http://paymybill.uillinois.edu/" target="_blank"><span style="color:purple">paymybill.uillinois.edu</span></a></span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">University of Illinois</span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Urbana-Champaign, Chicago, Springfield</span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"><a href="" target="_blank"><span style="color:purple">obfs.uillinois.edu</span></a></span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">SMMC is on <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.facebook.com_ILStudentMoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=DAu_U8eygmE1Fw0T-0x_IkRpPZ9k8Axm4nkuvkaau3s&e=" target="_blank"><span style="color:purple">Facebook</span></a><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.facebook.com_ILStudentMoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=DAu_U8eygmE1Fw0T-0x_IkRpPZ9k8Axm4nkuvkaau3s&e=" target="_blank"><span style="color:purple"> </span></a>| <a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_ilstudentmoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=dh7BG0XeNZR6JA4U4Nx2TXFy9PdAQrvrvJUpIzrGm9U&e=" target="_blank"><span style="color:purple">Twitter</span></a><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_ilstudentmoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=dh7BG0XeNZR6JA4U4Nx2TXFy9PdAQrvrvJUpIzrGm9U&e=" target="_blank"><span style="color:purple"> </span></a>| <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__instagram.com_ILStudentMoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=803Q9FAl_zBWHf7-yTja6n21X7B6O6Kv_wYzDe-adpo&e=" target="_blank"><span style="color:purple">Instagram</span></a> | <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__youtube.com_ILStudentMoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=Z_x4QhkVnA3twNiYBUDG_nHIwizcQIxRjzJdMHYGh68&e=" target="_blank">Y</a><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__youtube.com_ILStudentMoney&d=BQMF-g&c=8hUWFZcy2Z-Za5rBPlktOQ&r=fgs3LEGdX2z8Gw3wwNBD2pL5jakiLnMql_B9T5XLswE&m=olrX1R1D1V-zAoX4YUznC8c3VcWBrqFsU_uc1HjyObE&s=Z_x4QhkVnA3twNiYBUDG_nHIwizcQIxRjzJdMHYGh68&e=" target="_blank">ouTube</a></span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="color:black"><o:p></o:p></span></p>
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<p style="background:white"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">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.</span><span style="color:black"><o:p></o:p></span></p>
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_______________________________________________<br>
Natfinwellness mailing list<br>
<a href="mailto:Natfinwellness@lists.osu.edu">Natfinwellness@lists.osu.edu</a><br>
<a href="https://lists.osu.edu/mailman/listinfo/natfinwellness">https://lists.osu.edu/mailman/listinfo/natfinwellness</a><o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt;background:white"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="color:black">-- <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="color:black">Cheryl White<br>
Associate University Director of Financial Aid<br>
Default Management & Financial Literacy<br>
Rutgers University Financial Aid Office<br>
620 George Street<br>
New Brunswick, NJ 08901-1175<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="color:black">p. 848-932-2632 f. 732-932-0516<br>
Email: <a href="mailto:cheryl.white@ofa.rutgers.edu">cheryl.white@ofa.rutgers.edu</a><o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt;background:white"><span style="font-family:"Tahoma",sans-serif;color:black"><o:p> </o:p></span></p>
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