Dani0709 9 Posted February 7, 2013 I had Bank of America but I ended up owing them $150 now that with new ssn can I apply again? Will they find out? I will pay the $150 but i was just wondering! I just wanted to know if we really do start from scratch from now on! Share this post Link to post Share on other sites
splif0clock 89 Posted February 7, 2013 If I am not mistaken, once you get new SSN # you can't merge your previous credit history to the new one. It is like starting out fresh so try your best to keep your history clean. Share this post Link to post Share on other sites
Rawf 336 Posted February 7, 2013 If I am not mistaken, once you get new SSN # you can't merge your previous credit history to the new one. It is like starting out fresh so try your best to keep your history clean. You can if she was using a valid ITIN, if you used a fake ssn which I doubt you can do that to a bank, then no. Share this post Link to post Share on other sites
Gino10 30 Posted February 7, 2013 if you are willing to pay those fees, i dont think it matters. If your name doesnt pop up as a debtor, yo save yourself $150. and you are good to go.... Share this post Link to post Share on other sites
Dani0709 9 Posted February 8, 2013 Thank you ill do that!! Share this post Link to post Share on other sites
beatrizrivera909 38 Posted February 8, 2013 i dont understand why most of yall had to use social or itin with bank of america ..all i use was my matricula when i was 18 an had to deposit 25 to get it open,,,,i use da 20 up quik lol my bank account was at 5$ for a long time lol 2 engineer2mike and Lonewolf8951 reacted to this Share this post Link to post Share on other sites
Dani0709 9 Posted February 9, 2013 I also use my matricula!! I don't like doing things illegal! I'm a scardy cat! Share this post Link to post Share on other sites
roadrunner11 167 Posted February 9, 2013 It is interesting some banks won't ask for a SSN or ITIN. I had to have my dad sign my account paperwork and all that because he had a valid SSN because otherwise they wouldn't let me open one. I wonder if they changed the rules now. Either way now with DACA we will be able to get our credit history going. wOOOh HooOO Share this post Link to post Share on other sites
pswa83 302 Posted February 9, 2013 i know back in 2005 when i first open my bank account with WaMu, all i used was my valid passport. then this time around when i switched banks to BofA, i used my SSN and DL. Share this post Link to post Share on other sites
Calidreamer 100 Posted March 20, 2013 If I am not mistaken, once you get new SSN # you can't merge your previous credit history to the new one. It is like starting out fresh so try your best to keep your history clean. Ok, so this is a question from a friend of mine ( I tried convincing him to sign up, but doesn't have a comp), so I'll pass down the info w/him About 5 years ago he had BofA using his ITIN, and because of overdraft fees he ended up owing them, if he wants to apply for an acct with his name and new ss# would his name "pop up" as a debtor? My reasoning is no, 'cause of the new SS #, but he says they took a picture of him?! O.o Share this post Link to post Share on other sites
Theresa 63 Posted March 20, 2013 Yes, it will pop up if there are collections against you just pay what you owe and then you can start fresh. The money is not yours. Some people end up not being able to have an account for 5 or more years if the bank feels you have outstanding collection bills as a punishment even if you pay them. You might have to use a different bank after you pay what you owe. Understand that your personal documents are chained with each other...IRS and itin to SSS#, from passport or matricula from birth certificate which you used to obtain DACA...background checks etc. http://www.lclaa.org/index.php/lclaa-blog/entry/post-daca Share this post Link to post Share on other sites
Calidreamer 100 Posted March 21, 2013 Understand that your personal documents are chained with each other...IRS and itin to SSS#, from passport or matricula from birth certificate which you used to obtain DACA...background checks etc. http://www.lclaa.org/index.php/lclaa-blog/entry/post-daca Thanks for your input, but per the information I have collected in this forum and the source you provided, unless you notify the Credit Bureau previous credit in ITIN is not transferred. I understand that passport, matricula and b-certificate have the same info; are you implying that previous credit history will be carried on regardless of the new SS# since the bank has your name and birthdate from your passport/matricula? Thank you for your answer, I would like to pass down as much info as I can to my friend. Share this post Link to post Share on other sites
Rawf 336 Posted March 21, 2013 Thanks for your input, but per the information I have collected in this forum and the source you provided, unless you notify the Credit Bureau previous credit in ITIN is not transferred. I understand that passport, matricula and b-certificate have the same info; are you implying that previous credit history will be carried on regardless of the new SS# since the bank has your name and birthdate from your passport/matricula? Thank you for your answer, I would like to pass down as much info as I can to my friend. Thanks for your input, but per the information I have collected in this forum and the source you provided, unless you notify the Credit Bureau previous credit in ITIN is not transferred. I understand that passport, matricula and b-certificate have the same info; are you implying that previous credit history will be carried on regardless of the new SS# since the bank has your name and birthdate from your passport/matricula? Thank you for your answer, I would like to pass down as much info as I can to my friend. The history won't transfer itself, you have to contact all 3 mayor credit companies to have your credit score transferred from the ITIN to the Ssn. That process can take a month and if you owe money it will most likely show on your new credit history. Share this post Link to post Share on other sites
