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I am a Canadian citizen recently relocated to the USA. My current status does not yet let me get a SSN, but I do have an ITIN number. I think I can apply for a US Credit with an ITIN number (based on what I see on the Foreign National Application Form - http://www.tdbank.com/exc/pdf/Foreign-National-Application.pdf ). Two questions:
- If I provide my Social Insurance Number (SIN) on the application, will my Canadian credit history be used as part of the approval/credit limit process? Conversely, if I do not provide the SIN, my Canadian credit history will not be used?
- If I successfully received a TD credit card using only my ITIN on the application, will TD report my credit activity to the various US credit bureaus? That is to say, can I build US credit history using my TD credit card without an SSN? I ask because certain banks in the US do not report your credit activity to the credit bureaus unless you have an SSN, deeming those cards useless for trying to build US credit.
Marlon, Vancouver - Austin
September 5, 2016 08:18:30 AM
Borrowing & Managing Your Credit
In reply to Marlon, Vancouver - Austin
Welcome to TD Helps, Marlon, and thank you for your interest in a TD credit card.
We understand your concerns and we recommend reaching out to our Credit Card Specialists directly so they may best assist with your application specific concerns. They are available 24/7 by dialing 888-561-8861.
We hope to hear from you soon, Marlon, and have a good day.
Megan K, Mount Laurel
September 5, 2016 08:18:40 AM