Try ITIN & SSN credit monitoring — $1 for 15 days →
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ITIN & SSN Credit Monitoring

CreditArrival — the credit platform built for ITIN and SSN holders.

Guides, tools and 3-bureau monitoring for building U.S. credit — Equifax, Experian and TransUnion, with daily alerts.

$1 for 15 days · Then $24.95/month. Cancel anytime.

Equifax · Experian · TransUnion · Powered by VantageScore® 4.0

VantageScore 4.0● Live
742
+38 ↑ Good
300550700850
Equifax
738
Experian
745
TransUnion
743

Sample dashboard. Actual scores depend on your file.

✓ Identity theft protection✓ 256-bit SSL encryption✓ FCRA-compliant reporting✓ VantageScore® 4.0

The U.S. credit & ITIN landscape at a glance

Key data points from the Federal Reserve, CFPB, FTC and IRS.

$5.0T

Total U.S. consumer credit outstanding

Source: Federal Reserve G.19 ↗
26M

U.S. adults considered “credit invisible”

Source: CFPB ↗
19M

Adults with unscoreable credit files

Source: CFPB ↗
1 in 5

Consumers have an error on a credit report

Source: FTC ↗
717

Median U.S. FICO score (2024)

Source: Federal Reserve / FICO ↗
5.8M

Active ITINs in the U.S.

Source: IRS ↗
1.4M

New ITINs issued per year

Source: IRS Statistics ↗
1.1M

Identity-theft reports filed in 2023

Source: FTC Sentinel ↗

Limited-time trial

Full 3-bureau report + daily monitoring for just $1.

No credit pull impact · Secure encryption · Cancel anytime

Features

Tools built for ITIN and SSN credit profiles

1

3-Bureau Reports

Pull Equifax, Experian and TransUnion together — refreshable daily.

2

VantageScore 4.0

The model lenders increasingly use, available for ITIN & SSN files.

3

Daily Alerts

New accounts, balances, inquiries and address changes — flagged instantly.

4

Identity Theft Protection

Identity-theft coverage included with every membership.

5

Score Simulator

See how paying down a card or adding a loan could change your score.

6

Built for ITIN & SSN

Designed for credit profiles with ITIN, SSN, or no SSA history at all.

Start monitoring your credit today

$1 for your first 15 days. Bigger savings the longer you commit.

Monthly
$24.95per month

$1 for 15 days, then $24.95 per month.

  • ✓ 3-Bureau credit reports & scores
  • ✓ Daily monitoring & alerts
  • ✓ Identity theft protection
  • ✓ Score simulator & insights
  • ✓ $1 for 15 days trial
  • ✓ Cancel online anytime
QuarterlySave 10%
$67.36every 3 months

$1 for 15 days, then $67.36 every 3 months.

  • ✓ 3-Bureau credit reports & scores
  • ✓ Daily monitoring & alerts
  • ✓ Identity theft protection
  • ✓ Score simulator & insights
  • ✓ $1 for 15 days trial
  • ✓ Cancel online anytime
YearlySave 20%
$239.52per year

$1 for 15 days, then $239.52 per year.

  • ✓ 3-Bureau credit reports & scores
  • ✓ Daily monitoring & alerts
  • ✓ Identity theft protection
  • ✓ Score simulator & insights
  • ✓ $1 for 15 days trial
  • ✓ Cancel online anytime

Partner offers

Trusted partner offers for ITIN & SSN users

Frequently asked questions

Yes. Our monitoring works with ITIN-based credit files, giving you scores and reports from all three bureaus.