- 1 US SSN / Driver License / State ID / Passport / Tax ID Generator
- 2 How to Apply for a Corporate Credit Card Without Using Your Social Security Number
- 3 Find Out If Your Social Security or Credit Card Numbers are on the Internet
- 4 SelfScore Offers International Students $500-$1,500 Credit Limits — No Social Security Number or Credit History Required
- 4.1 In the ’90s, Kalpesh Was a Student Struggling to Build Credit
- 4.2 A Misclassified Population: International Students Don’t Get the Credit They Deserve
- 4.3 Three Ways to Measure a Student’s Financial Potential
- 4.4 SelfScore MasterCard Gives Financing — With No Annual Fee
- 4.5 Making an Impact on the Lives of International Students
- 4.6 SelfScore Opens the Door to Better Finances in the U.S.
- 5 New / Replacement Social Security Card Application
US SSN / Driver License / State ID / Passport / Tax ID Generator
SSN: 417396711 - issued in Alabama (AL)
Driver License: 2873040 - issued in Alabama (AL) on 02/19/2014, expires 09/03/2019
Preparer Tax Identification Number (PTIN): P39266794
Interim PTIN (temporary PTIN): P99996711
Employer Identification Number (EIN): 261243971
Individual Taxpayer Identification Number (ITIN): 947807168
Adoption Taxpayer Identification Number (ATIN): 349412274
A Social Security number may be obtained by applying on Form SS-5, Application for A Social Security Number Card.
If you are wondering "What's my SSN?", which means you have an actual SSN but you don't remember it, the best and surest way to retrieve it is to call the Social Security Administration.
How to Apply for a Corporate Credit Card Without Using Your Social Security Number
Corporate credit cards designed for business owners often offer significant perks, cash-back programs and rewards. These benefits are based on how sound a business's credit profile is. To obtain corporate credit without using your Social Security number, you'll need to own a business (not a sole proprietorship), have a Federal Tax ID and have already established credit history.
Apply for a Federal Tax ID, otherwise known as an Employer ID Number (EIN), if you do not currently have one. If you don't you'll be unable to apply for any corporate credit for a while. See Resources for the application process required by the Internal Revenue Service (IRS) to obtain this number.
Check your credit profile under your EIN. This will only be available if you've used your EIN to obtain credit in the past. Two of three credit bureaus--Dun & Bradstreet, Equifax and Experian--provide credit reports for businesses at a cost. See Resources for Experian's report.
Research different corporate credit card programs. One of the largest business lenders is American Express. They are not alone, though. Banks like Bank of America and CitiGroup offer business credit cards and business lines of credit. Make sure you know what type of credit card you are looking for.
Apply at two or three lenders. Excessive applications may damage your business's credit profile. Use only your EIN when applying for these loans. Lenders will pull a copy of your business credit report. So long as your business has a solid borrowing record, you should be approved for a corporate credit card.
Accept the card only if the terms are favorable--low interest rate, good reward program, no prepayment penalties. Fees are common on business accounts, but do not accept a program with excessive fees--especially if they are recurring fees.
Find Out If Your Social Security or Credit Card Numbers are on the Internet
Silicon Valley based Trusted ID, which launched IDFreeze last year to help protect people from identity theft, released their second product this evening – Stolen ID Search.
Type a social security or credit card number into the search box and Trusted ID will tell you if it is published on the web:
The information that powers StolenID Search is found online, by looking in places where fraudsters typically trade or store this kind of information. All information behind StolenID search is publicly available, but not in places where you, or even search engines such as Yahoo and Google, would look.
If it turns out your social security and/or credit card numbers are on the web, Trusted ID will pitch their IDFreeze product to you to help you get control over your information.
Some people will feel uneasy inputting this sensitive personal information to complete the search. I believe Trusted ID can be trusted with this data – they are venture backed by Draper Fisher Jurvetson and say they do not store this information at all after the search is completed. Also, a social security or credit card number without additional information (a name in particular) is useless to fraudsters, and Trusted ID does not ask you for this information.
You can also request that Trusted ID monitor for future fraud.
SelfScore Offers International Students $500-$1,500 Credit Limits — No Social Security Number or Credit History Required
Amber Brooks • June 20, 2016
In a Nutshell: Twenty years ago, Kalpesh Kapadia was an international student at Carnegie Mellon struggling to build credit in a system that was utterly foreign to him. Feeling the frustration and confusion some students go through, he was inspired to create a solution. Kalpesh began SelfScore to fix a financial system that’s often unfair to international students. The SelfScore MasterCard offers an intial credit line of up to $1500 with no annual fee and an easy sign-up process that any student can apply for online — no Social Security number, credit history, or taxpayer I.D. number necessary. This is a consumer-friendly card intended to give students from other countries a chance to prove themselves worthy of financing.
Face bright with anticipation, a foreign student steps on campus for her first day of classes at a top-tier university in the U.S. She’s worked her whole life to reach this promised land of academia. She’s filled out all the paperwork, said goodbye to her family, and now seeks the opportunity to prove herself. She can’t wait to get started.
Although she expects the U.S. to be a hospitable and fair place to get her education, in the world of finance, not all students are treated equally. Lacking credit history, a Social Security card, or a driver’s license, international students have no way to prove their value as a responsible borrower when they arrive in the U.S.
Kalpesh Kapadia, CEO and Co-founder of SelfScore, knows this all too well. He was once an international student at Carnegie Mellon in Pittsburgh, and he experienced firsthand the struggles that foreign students encounter when trying to get a credit card, a loan, or even a Social Security number.
Driven to rectify these issues, Kalpesh set out on a mission to make credit more accessible to international students living in the U.S. Today, SelfScore offers up to $1500 in initial credit lines, requiring no Social Security number, taxpayer identification number, or credit check. You can apply online here for this student-oriented card.
In the ’90s, Kalpesh Was a Student Struggling to Build Credit
Twenty-two years ago, Kalpesh arrived in the U.S. to get his education. At the time, he was unaware what a hard financial road he had ahead of him.
Kalpesh Kapadia earned his MBA from Carnegie Mellon.
He experienced one headache after another as a financial consumer. When a credit error showed up on his credit report, for instance, he underwent a grueling process to get it fixed.
Caught in the red tape of a credit dispute, he saw how the bureaucratic system works against individuals (especially those unfamiliar with that system). It was a laborious process trying to untangle that knot of mistakes — none of which were his.
“It took a good 40 to 50 hours of my life to fix an error that was not any fault of my own,” he says. “ I had to pull my hair out to get someone to pay attention to it.”
The way the U.S. financial system works, even seemingly responsible behaviors can harm a credit score. Kalpesh found this out when he canceled a credit card he was not using and was shocked to see his score go down. To keep others from going through what he did, SelfScore educates those new to credit about various financial pitfalls and obstacles.
“A whole host of young people are disadvantaged by the system,” Kalpesh tells us. “As an immigrant who came here to study, I was top of my class, and I did everything right with good financial behaviors — but still I was penalized.”
Today, the financial obstacles are even greater than when Kalpesh was in school because nowadays international students can’t get a Social Security number unless they show proof of employment. This means international students are expected to work at least 20 hours a week on top of their schooling.
Even students able to keep up this heavy workload won’t be able to secure such employment for a few months after arriving in the U.S. During that time, without a taxpayer identification card, these students cannot apply for a credit card or loan because they aren’t in the system. This dramatically impacts their personal finances.
Putting the customer first, SelfScore focuses on a person’s potential rather than payment risk, and gives international students a chance to establish a credit history, without a Social Security card.
A Misclassified Population: International Students Don’t Get the Credit They Deserve
During our discussion, Kalpesh tells us more about who international students are and the dreams they hold in coming to the U.S.
China and India account for 45% of the total number of international students in U.S. higher education. At the graduate level, the population of international students is growing at a faster rate than the undergraduate population. California, Texas, New York, and Massachusetts are the top four states where these students go to complete their studies. Major U.S. universities benefit from welcoming such a diversity of hard-working students.
“Many people come here to study from other countries,” SelfScore’s CEO says, “flying thousands of miles away from home to make their life better, to get higher education from American universities — so they are very self-motivated people.”
He describes the barriers that international students overcome to get here: applying for visas, scoring well on competitive exams, packing up their lives, and leaving their families in hopes of a better education. “And yet,” he says, “when they land here, they are considered invisible.”
Built by former international students, SelfScore caters to newcomers to the U.S. financial system.
Upon arrival, international students don’t have a Social Security number or any credit history, and so these people don’t exist within the financial system in the United States. Kalpesh explains that banks often ignore and misclassify this extremely qualified group of people — simply because they aren’t in the traditional credit bureau system.
Looking out for student interests, SelfScore evaluates the financial potential of international students and offers creditworthy individuals an easier pathway to a solid credit history.
“Universities are the new Ellis Island. The motto used to be ‘Give me your tired, your poor, and hungry,’ — now the motto is ‘Give me your doctors, engineers, and MBAs.'” Kalpesh explains, “I want to help these students get on equal footing with their American counterparts.”
Three Ways to Measure a Student’s Financial Potential
While American students benefit from the opportunity to receive a loan for their education, international students are excluded from that chance because they lack a credit file. Students from other countries getting their doctorate in the U.S. need a cosigner to apply for loans. To make credit available and help students, SelfScore came up with a creative assessment for a line of credit. And it only takes a moment to apply.
“It was surprisingly easy,” says Wendy Y., a student at the University of San Francisco. “Usually I get a letter saying, ‘Sorry we have to decline.’ SelfScore approved me the next day.”
SelfScore approves students based on three main criteria:
- Identity Verification
- Reliable Contact Information
- Ability to Pay
When comparing its specialized rating to the consumer’s actual FICO score, SelfScore found a 90% correlation. This accurate process gives students the credit they rightfully deserve. To apply, you will need a passport, a student visa, an I-20 form, or recent bank statement.
A simple identity verification process results in instant pre-qualification or denial online. Instead of a driver’s license or Social Security number, SelfScore asks for a passport or visa (which all international students should possess) to verify the person’s identity. You can simply upload a picture of these relevant documents.
“So what if you don’t have a Social Security number? I can look at other information and verify creditworthiness,” Kalpesh says.
After checking your identity, the next step involves using an algorithm to find out how much your contact information has changed over time. This means tracking how frequently you move, change phone numbers, or switch email addresses.
With this stat, SelfScore is looking to see how easy it will be to contact you once you’re a customer. Reliability and authenticity are key. Emails involving your name or tied to your university serve as favorable indicators of your trustworthiness.
SelfScore looks at an applicant’s income and assets to judge the borrower’s ability to make payments. An individual’s income potential is also taken into account by evaluating what degree the student is getting at what institution. Students submit a bank statement and an I-20 form with the cost of their education and how that is being paid.
These factors together are weighed to come up with an accurate picture of the applicant’s potential creditworthiness.
SelfScore MasterCard Gives Financing — With No Annual Fee
Getting approved for a line of credit is hard enough for young Americans, let alone those outside the U.S. financial system. Faced with a choice between a secured credit card or a debit card, international students have a difficult time building credit for loans, mortgages, and other major financial goals. Kalpesh wants to offer them a better option: the SelfScore MasterCard.
This card provides an alternative means of financing. SelfScore reports to two major credit bureaus, Experian and Transunion, so consumers can build up a credit history and expand their credit profile over time — without fronting their own money or undergoing a credit check.
“We want to do right by the consumer and grow that way,” the Co-Founder says, “as opposed to making money off of fees.”
“Credit education is one of our goals,” Kalpesh says. “We promote good credit behavior such as paying on time, using credit wisely, using it for small purchases, and paying it off.”
SelfScore is run by a diverse and international team of 14 members, 5 board members, 3 advisors, and 5 summer interns. These are people who understand the plight of international students and the ways that banks rig the system to turn a profit.
Kalpesh and his team say they are in business to help students, not sap money from them with unnecessary maintenance fees or overly inhibitive restrictions. The SelfScore MasterCard comes with no annual fees, reasonable interest rates, and plenty of opportunity to grow.
A consumer-friendly and no-fee card, this MasterCard is a great asset for any newcomer to finances. “There’s no annual fee, and one late fee is waived,” Kalpesh explains. “We want to encourage good credit behavior and grow with you as a customer.”
Making an Impact on the Lives of International Students
As a testament to its helpful services and resources, SelfScore has grown primarily through organic traffic and word-of-mouth. Hundreds of visitors come to the site every day, and SelfScore has taken in a few thousand applications in the last two months.
SelfScore has received several thousand applications in recent months.
Even during the month of May, which is typically a seasonally slow month due to exams and graduation, SelfScore has been approving students at a steady clip — and not looking to slow down.
Students at hundreds of accredited U.S. universities are welcome to apply to this friendly lender. “We want to make it as broad as possible without diluting the quality of people that come,” Kalpesh tells us.
Cautious against the possibility of first-payment default and fraud, SelfScore starts off most customers with a $500 credit limit and lets them build trust from there.
“Once you’ve established payment with us — by checks, debit card, by phone, or online — once we have that habit established to set up payment, then we’re comfortable offering you a higher credit limit.”
SelfScore makes a concerted effort to reach out to students by attending conferences for international educators, putting up booths during orientation weeks at colleges, and marketing its services on Facebook. Today, the lender has an active Facebook presence with almost 15,000 likes.
Further expanding its influence and reputation, this lender has set up an Ambassador Program of students speaking to students on campus, online, and at the occasional pizza party. SelfScore ambassadors earn rewards for every successful referral.
For those who are new to the U.S. (and new to credit), SelfScore also provides valuable tips and educational articles that raise awareness on important financial topics like student loans, late payments, and the cost of education.
Combating misinformation, the site is a valuable resource for students who want to learn more about credit in the U.S.
“These are highly educated people,” the CEO says about his target audience. “They are sophisticated in finance. Many of them have math degrees, a background in engineering or business, so we want to offer them the best product possible.”
SelfScore Opens the Door to Better Finances in the U.S.
Kalpesh has deep empathy for international students struggling to maintain good credit profiles, because he himself has been denied credit, has disputed credit report mistakes, and has experienced the inequity of the U.S. financial system. But that was in the past.
Now, backed by SelfScore, an international students attending an American university will find themselves able to apply for a line of credit right away. There’s no need to wait on a Social Security number or a barrage of paperwork anymore. With easy approval and no annual fee, the SelfScore MasterCard welcomes newcomers to this land of opportunity.
“These people have no credit files — they’re new to the country, new to credit,” Kalpesh says. “We want to help these students. We want to make credit available to them.”
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
New / Replacement Social Security Card Application
Identity theft is a broad crime. A hacker can do several things if they gain access to your personally identifiable information. The social security number is connected with several aspects of an American citizen’s life. If a hacker has access to it, the consequences can be disastrous for the person whose identity was compromised.
Your social security card plays a very important role in your life. You should keep it updated by changing name on social security card whenever there is an identity change. You have to prove your identity and citizenship or immigration status for changing name on social security card.
Here are a few things that identity thieves can do with a stolen social security card or number.
With a stolen social security number, a hacker can open a bank account in the victim’s name. The social security number is perhaps the most important information that a lender requires when processing a loan application. A thief who has access to that number and the name on the card can apply for a loan or get credit cards. When it is time to repay the loan, they won’t. This will damage your credit score because the missed payments will be linked to your number.
On the bright side, by simply analyzing your credit reports and credit scores, you can easily spot fraud and stop it. However, your credit will not recover immediately.
Someone who has access to your social security number can receive treatment under your name. This will taint your medical records. And if you receive medical care based on an incorrect medical history, you will have to deal with deadly consequences.
Last year, hackers stole 5.2 billion USD from the IRS in false tax refunds. Recurring data breaches have made this crime a growing concern. Perhaps the best way to avoid this situation is to file your taxes as soon as possible. Your tax return will be rejected if a thief has already filed it in your name. This way, you can figure out if your card has been compromised. You can then explore ways to resolve the fraud and take steps to ensure that you receive the refund.
The identity thief can also file for unemployment benefits using your social security number. This will deplete the assistance you might need later.
The hacker who stole your social security number may have committed several other crimes as well. If he gets caught for his involvement in another crime and gives your number to the police, you will become entrapped in his criminal history.
Thieves can use your identity for several years without getting noticed. Many of the crimes that they commit cannot be detected easily. Checking your credit reports regularly is a good way to detect unauthorized accounts. If you find anything suspicious, you should act immediately.
Many people change their name after getting married or divorced. Changing name on social security card is one of the first things you need to do after marriage or divorce. If you change your name, you need to update the card by changing name on social security card as well.
If you would like assistance with your social security card processing you can get started here.
Change name on social security card information Please refer to the Social Security Card Name…
Lost Social Security Card A social security card is issued by the Social Security Administration…
Social Security Card Application Social Security Card Application, Why It’s Important and What You Need…