About ITIN Club
ITIN Club helps foreigners and immigrants get an ITIN, open a US bank account and build US credit, with free guides and answers in English and Spanish.
Why it exists
Life in the US without a Social Security number runs on paperwork that few people explain well. The rules are spread across IRS pages, bank fine print and forum threads that went out of date years ago.
ITIN Club puts the steps in order: get the ITIN, open the account, build credit, then travel and file. Each guide covers one step in depth, and each answer covers one question in a few lines.
Who runs it
Alex Thomas
Founder of ITIN Club
Born in Europe, Alex has lived for long stretches in Europe, Asia and the United States, and still travels the world.
How we check facts
Official sources first
Facts come from the IRS, the CFPB, the credit bureaus, and the banks' and card issuers' own pages. Every page lists its sources at the end.
Every fact is dated
We keep a record of each fact with the page it came from and the day we checked it, and recheck published pages at least every 90 days.
Real update dates
The “Updated” date changes only when the content does. We don't bump dates to look fresh.
Corrections
When a rule changes or we get something wrong, we fix the page and change its date.
Join ITIN Club — it's free
Ask members who've already done it, follow the first-year course step by step, and message other members directly. No SSN needed.