You don't need a Social Security Number to build credit in the United States. Lease 4 Credit reports your existing lease and rental payments to all 3 major credit bureaus using your ITIN.
One-time $69 enrollment · $8.95/month · Cancel anytime
Millions of people living and working in the United States have an ITIN — an Individual Taxpayer Identification Number issued by the IRS — but no Social Security Number. Without an SSN, traditional credit-building paths are often closed off.
Lease 4 Credit bridges that gap. We take the lease or rental payments you're already making — for your car, apartment, shed, or mobile home — and report them as positive payment history to Equifax, TransUnion, and Experian using your ITIN.
The result: a real U.S. credit file, built from payments you're already making, with no new debt required.
Everything Included
From sign-up to your first credit bureau report in as little as 30 days.
Create your account using your ITIN number. No SSN required — we accept ITINs, SSNs, and D.U.N.S. business numbers.
Submit your existing lease contract and a government-issued ID. Our team reviews your documents within 1–2 business days.
We begin reporting your on-time payments to Equifax, TransUnion, and Experian — building your U.S. credit history automatically.
Members with ITINs report an average increase of +175 points within 3–6 months. Access your dashboard to track progress.
Everything you need to know about building credit with an ITIN.
Yes. Lease 4 Credit accepts Individual Taxpayer Identification Numbers (ITINs) in place of a Social Security Number. We report your on-time lease and rental payments directly to Equifax, TransUnion, and Experian using your ITIN.
An ITIN (Individual Taxpayer Identification Number) is a tax processing number issued by the IRS to individuals who are not eligible for a Social Security Number — including non-resident aliens, undocumented immigrants, foreign nationals, and certain visa holders.
Most members see their first tradeline appear on their credit report within 30–45 days of enrollment. Significant score improvements — typically +100 to +175 points — are reported within 3–6 months of consistent on-time payments.
We report to all three major U.S. credit bureaus: Equifax, TransUnion, and Experian. This gives you the broadest possible credit footprint.
We report vehicle leases, apartment/home rental leases, rent-to-own agreements, shed leases, and mobile home leases. If you have an existing lease contract and make regular payments, you likely qualify.
You need a payment method to cover the one-time $69 onboarding fee and the $8.95/month subscription. We accept all major credit and debit cards through our secure checkout.
Join thousands of members who are building credit with their existing lease payments — ITIN accepted, no SSN required.