How to Get an ITIN

An ITIN (Individual Taxpayer Identification Number) is a tax processing number issued by the IRS for individuals who are required to file a US tax return but cannot obtain an SSN.

Who Needs an ITIN?

• Non-residents earning US income
• Spouses or dependents of US citizens or residents
• Non-residents filing tax returns

Step-by-Step Instructions

Step 1: Complete Form W-7

Download Form W-7 from the IRS website. Fill in all required fields.

Step 2: Prepare Your Documents

You'll need one of the following documents:

• Passport (original or certified copy)
• Driver's license
• Birth certificate

Step 3: Submit Your Application

Three ways to submit:

1. By mail — send W-7, tax return, and documents to the IRS
2. Through a CAA — use a Certifying Acceptance Agent
3. In person — visit an IRS office

Step 4: Wait for Response

Processing usually takes 7-11 weeks.

ITIN and Credit History

With an ITIN, you can:

• Open a bank account at some banks
• Get a secured credit card (e.g., OpenSky)
• Take a credit builder loan (e.g., Self)
• Start building credit history

Important Notes

• ITIN needs to be renewed every 5 years
• ITIN does not grant work authorization
• ITIN does not affect immigration status