“Name and current address are the minimum requirement, but we strongly encourage the lender to provide the SSN, date of birth and previous address if it was within the last two years,” she[Maxine Sweet, vice president of public education at Experian] says. “That additional information can be very important in helping us match the account to the correct consumer.” TransUnion also builds credit histories on individuals without a Social Security number. Equifax didn’t respond to emails asking about their minimum identification requirements for a credit report.
Experian doesn’t match information to a person’s credit history using only the Social Security number. Experian matches information using all of the identification information provided by the lender, so the account will be accurately shown in your report, even if no Social Security number is provided.
因此，可以肯定地说，即使没有 SSN，你的行为同样可能会被信用局记录。我在某中文论坛里看到有人说，留学生没有 SSN，毁约、欠钱不还谁也拿 TA 没办法。这是错误的说法。如果你以后租房，可能要用到信用分数；要是未来打算移民美国定居，这些都会留在你的信用记录里，并且不良记录的权重非常高，参见这篇文章解释：《提高信用分数的正确姿势》。