cancel
Showing results for 
Search instead for 
Did you mean: 

Notifying credit card banks after getting SSN

tag
staticvoidmain
Established Contributor

Notifying credit card banks after getting SSN

When should I notify credit card banks after getting an SSN from using ITIN? Before or after notifying credit bureaus? (Also, before or after notifying IRS?) My first thought would be to notify credit card banks. Thanks.

 

(Specific scenario: immigrant authorized user spouse)

Message 1 of 6
5 REPLIES 5
AndySoCal
Senior Contributor

Re: Notifying credit card banks after getting SSN

I would report the SSN to the creditors first then they will report it to the bureau. If you report it to the bureau first then you run the risk when the creditor reports you would lose the update on the SSN.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
Message 2 of 6
staticvoidmain
Established Contributor

Re: Notifying credit card banks after getting SSN


@AndySoCal wrote:

I would report the SSN to the creditors first then they will report it to the bureau. If you report it to the bureau first then you run the risk when the creditor reports you would lose the update on the SSN.


Thank you very much! Very helpful.

Message 3 of 6
Remedios
Credit Mentor

Re: Notifying credit card banks after getting SSN

You cannot "add" yourself, you can only dispute incorrect demographic info. 

Just add SS to every card, and next time they report, it will hopefully update with ss number

Message 4 of 6
Remedios
Credit Mentor

Re: Notifying credit card banks after getting SSN

Also, congrats to your spouse! 

 

Message 5 of 6
Mr_Mojo_Risin
Senior Contributor

Re: Notifying credit card banks after getting SSN

Wonderful news for you and your spouse! Cheers!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.