MyFreeScoreNow First to Offer Online Access to All Three Credit Bureaus for Consumers Without SSNs

MyFreeScoreNow expanded access for consumers without Social Security numbers by enabling online access to credit reports and scores from Equifax, Experian and TransUnion through full ITIN compatibility. The update responds to a large underserved population, with ITINs issued by the IRS totaling over 31 million and about 5 million active as of March 2026, and 469,888 ITINs issued in 2025. ITIN holders contribute to the economy with estimated annual tax receipts exceeding $100 billion at federal, state and local levels. Previously, two bureaus required ITIN based requests by mail, causing delays and limited visibility into credit history.

Now ITIN compatible users can view data online, receive monitoring tools and access educational resources directly on the platform, enabling faster decisions on loans and housing. Bruce Cornelius, CEO of MyFreeScoreNow, frames the move as a milestone in access and inclusion, removing a major barrier for millions who participate in the U.S. economy. The enhancement underscores the companys ongoing commitment to customer centered innovation in credit monitoring and financial tools for a diverse, growing user base.