“I've had my ITIN since 2025 and opened my first credit cards with Chase and Bank of America in early 2026. It's currently late 2026 and Equifax gives an NH error, MyFico doesn't work, and AnnualCreditReport, TransUnion, and Experian all don't work either. I've called all of them and none were able to help. I also can't get my personal credit score through Chase or BoA directly. What should I do next? Is sending physical mail the next step?”
Repeated website and phone failures do not, by themselves, tell you whether your Chase and Bank of America accounts appear in a credit file. A written request gives you a concrete way to seek the underlying report and a written response you can use for the next step.
Yes, written requests are a sensible next step, but the right mailing route depends first on whether you now have an SSN as well as your ITIN.
Mail Experian a written request under its explicit no-SSN procedure, with the identification and address documents it specifies. You can separately write Equifax and TransUnion at their direct-disclosure addresses, accurately saying you have no SSN and requesting their alternative verification instructions; neither publishes an ITIN-only exception in the instructions reviewed. [Experian](https://www.experian.com/help/annual-credit-report) · [Equifax](https://www.equifax.com/personal/education/credit/report/articles/-/learn/how-to-get-your-free-credit-report) · [TransUnion](https://www.transunion.com/get-credit-report/mail-or-phone)
Because online and phone attempts have failed, fill out the official [Annual Credit Report Request Form](https://www.annualcreditreport.com/assets/requestformfinal-BgD0iCRQ.pdf) using your actual SSN and mail it to the address printed on the form. The form requires an SSN; an ITIN is not a substitute. [Official request form](https://www.annualcreditreport.com/assets/requestformfinal-BgD0iCRQ.pdf) · [Experian](https://www.experian.com/help/annual-credit-report)
Do not use this apparent shortcut: Experian says an ITIN would be recognized as an invalid SSN on a credit report. [Experian](https://www.experian.com/help/annual-credit-report)
Whichever route you use, obtain the underlying before treating an unavailable score as proof that your cards were never reported.
These steps establish what each bureau actually has before you try to fix a score display or dispute an account.
First
Mail the request that fits your identification
No SSN: write that you have never been issued one and request your free report from Experian, P.O. Box 9701, Allen, TX 75013, following its [written-request instructions](https://www.experian.com/help/annual-credit-report). SSN now: complete the [Annual Credit Report Request Form](https://www.annualcreditreport.com/assets/requestformfinal-BgD0iCRQ.pdf) with that SSN and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not enter your ITIN in an SSN field.
Requirements
Alongside the first letter
Send separate requests to the other two bureaus
Write Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374, and TransUnion LLC Consumer Disclosure Center, P.O. Box 1000, Chester, PA 19016. Request your file disclosure; if you have no SSN, ask each to state in writing what alternative identification it needs or why it cannot locate or disclose a file. Both bureaus’ published mail checklists request an SSN, so a successful ITIN-only request is not guaranteed. [Equifax](https://www.equifax.com/personal/education/credit/report/articles/-/learn/how-to-get-your-free-credit-report) · [TransUnion](https://www.transunion.com/get-credit-report/mail-or-phone)
Requirements
When the replies arrive
Compare the responses with your card records
Look separately for each card at each bureau. Ask Chase and Bank of America whether each account was furnished, to which bureau, and under what identifying information if a response does not show the expected account; creditors are not required to report to every bureau. An unavailable Chase or Bank of America score display does not settle that question. [CFPB](https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-report-en-309/) · [Chase](https://static.chasecdn.com/content/dam/legal-agreements/library/en/credit-journey-terms-and-conditions/versions/credit-journey-terms-and-conditions.pdf) · [Bank of America](https://secure.bankofamerica.com/content/documents/agreement/FICO_Print_Version.pdf)
Requirements
Only if a report shows an error
Dispute any error you can identify on a report
Send a written explaining the exact error and why it is wrong to the bureau showing it; also dispute with the company that supplied the information, using its dispute address shown on the report or designated by that company. The CFPB says you may use certified mail and request a return receipt to document delivery. [CFPB dispute instructions](https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/)
Requirements
After a documented failure
Escalate if written requests still fail
Submit a complaint through [CFPB’s complaint portal](https://www.consumerfinance.gov/complaint/) describing the continuing inability to obtain your report and attaching the correspondence. If your complaint instead concerns inaccurate or incomplete information on a report, first dispute that information with the reporting company, as the [CFPB complaint notice](https://www.consumerfinance.gov/complaint/credit-and-consumer-reporting-complaint-notice-2/) requires.
Requirements
You are not the first to go through this. Here is how it went for others who asked the same thing.
u/rockbottom092r/CreditCardsMar 30, 2026
u/lorenzo_89r/CreditCardsMar 25, 2026
This answer draws on the IRS, CFPB, the official annual-report form, and the credit bureaus’ and card issuers’ own instructions.
IRS ITIN guidance
An ITIN serves a tax-identification purpose; it is not itself an SSN.
An ITIN is issued by the IRS for federal tax purposes only.
Experian Annual Credit Report instructions
Experian identifies the SSN requirement for the centralized annual-report request.
Annual Credit Report FAQ
Your Social Security Number (SSN) is required to request your Annual Credit Report.
Experian Annual Credit Report instructions
Entering an ITIN in place of an SSN does not solve the identification problem.
Annual Credit Report FAQ
An Individual Taxpayer Identification Number (ITIN) is issued to individuals for tax purposes and would be recognized as an invalid SSN on your credit report.
Experian Annual Credit Report instructions
Experian expressly offers a written free-report request for a person without an SSN.
Annual Credit Report FAQ
If you do not have an SSN, you can submit your request for a free credit report in writing with:
Experian Annual Credit Report instructions
Experian specifies a government-issued identification copy showing the current address.
No-SSN written request
One copy of a government-issued identification card, such as a driver's license, state ID card or similar displaying your current address.
Experian Annual Credit Report instructions
Experian also calls for a current document supporting the request.
No-SSN written request
One copy of a current utility bill, bank statement, insurance statement or similar.
Equifax free credit report instructions
This is Equifax’s published direct-mail disclosure address.
By mail to: Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374.
Equifax free credit report instructions
Equifax’s published mail checklist asks for an SSN and identifying details.
If you're sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, and date of birth.
TransUnion mail credit report instructions
TransUnion’s published mail checklist likewise lists an SSN.
Mail request checklist
Social Security number
Annual Credit Report Request Form
The centralized paper request form has an SSN field.
Request form
Social Security Number:
CFPB credit-score guidance
Receiving a free report does not by itself mean receiving a free score.
Free credit reports provided by the nationwide credit reporting agencies currently do not include free credit scores.
FICO score requirements
FICO identifies a minimum account-age condition for generating its score.
Minimum scoring requirements
At least one account that has been open for six months or more
FICO score requirements
Account age alone is insufficient if recent reporting is absent.
Minimum scoring requirements
At least one account that has been reported to the consumer reporting agency within the past six months
Chase Credit Journey terms
Chase warns that Credit Journey features may be unavailable with limited bureau data.
Eligibility
All features of Credit Journey may not be available to you if you have limited or no credit bureau data.
Bank of America FICO Score terms
Bank of America explains that its TransUnion-based FICO display can be unavailable for limited history.
In certain circumstances, a FICO ® Score may not be available from TransUnion for various reasons, e.g., having a limited credit history.
CFPB credit report guidance
An account’s absence at one bureau need not mean it is absent everywhere.
Creditors are not required to report to every credit reporting company.
CFPB credit report dispute guidance
The CFPB explains how to support a written dispute over an identified report error.
You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
CFPB credit-reporting complaint notice
An inaccurate-or-incomplete-report CFPB complaint follows a direct bureau dispute.
Before submitting a complaint against a credit or consumer reporting agency about inaccurate or incomplete information on your consumer report, you are required by law to first dispute the information directly with the credit or consumer reporting agency.
These are the official rules and issuer instructions as published on the cited dates; they can change.
This is general information about official processes, not legal advice, and SettleKit is not a law firm.
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