Bad Credit History In The Past

[Yureelee 27]

In the past I had credit with a well know store here in CA , which really all I had to do to get approved was show my mexican id and tell them that I worked as a nanny. Anyways I ended up with bad credit with them because for some couple months I wasnt able to give my payments. My question is : Will that bad credit history transfer to my ssn automatically once  they assign it to me ?

[Yureelee 27]

Just to make it more clear when I applied for that credit I did not have to show my itin # , a paystub or any kind of proof of address. All I showed was my mexican id and I told them that I worked as a nanny. 

[Theresa 63]

By law you need to rescind your itin since you are only allowed ss or itin and when you do it will. Just pay up and start over. It takes 2 years to recuperate a good credit history so don't let time just go by. Most people on DACA need a co-sign for major purchases. Don't take credit for granted. You may need it in the future to rent, buy and even employers may check it.

[Yureelee 27]

I actually payed off what I owed to the store. But I was just wondering if that bad credit history was going to show up once I got assigned my ssn. And about my itin# , I only used it back in 2001 to enroll in college. I never used it for tax purposes. So do you still think I have to rescind even though I havent used it in so long??.. and thanks for answering my question.

[Theresa 63]

Yes, you still have to rescind because it your own personal identity number whether you ever used it or not. Credit could be rebuild in the course of 2 years. Just try to obtain credit and find out if you could get credit. Many places are more forgiving than others and will give you a higher interest but that is how you build it. Shop around for different interest rates first to make a decision. There is also the option to refinance big purchases to get better interest as your credit score gets higher.