How to Get a Secondary Credit Number

How to Get a Secondary Credit Number

Having a good credit score is vital for many aspects of life, such as purchasing a car, renting an apartment, or applying for a loan. However, not everyone has a strong credit history. If you find yourself in this situation, you may consider obtaining a secondary credit number to improve your creditworthiness. Here is a step-by-step guide on how to get a secondary credit number.

1. Understand what a secondary credit number is: A secondary credit number is an alternative identification number that can be used in place of your Social Security number for credit reporting purposes. It allows you to establish a separate credit file.

2. Research authorized third-party companies: Several authorized third-party companies specialize in providing secondary credit numbers. Look for reputable companies that have a track record of helping individuals build their credit.

3. Verify the legitimacy of the company: Unfortunately, there are scams and fraudulent companies in this industry. Before proceeding, verify the legitimacy of the company by checking for customer reviews, contacting customer support, and researching their reputation online.

4. Gather required documentation: To apply for a secondary credit number, you will need to provide identification documents, such as a driver’s license, passport, or government-issued ID. Make sure you have all the necessary documents ready.

5. Apply for a secondary credit number: Once you have chosen a legitimate company and gathered the required documentation, follow their application process. This typically involves filling out an application form and submitting the necessary identification documents.

6. Establish credit with your secondary credit number: Once you receive your secondary credit number, you can start using it to establish a credit history. Open a secured credit card or apply for a small loan to begin building your credit.

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7. Monitor your credit report: Regularly check your credit report to ensure that your secondary credit number is being reported accurately. This will help you identify any errors or discrepancies that may negatively affect your credit score.


1. Is obtaining a secondary credit number legal?
Yes, obtaining a secondary credit number is legal. These numbers are authorized by the government and are intended to allow individuals without a Social Security number to build credit.

2. Will a secondary credit number guarantee a good credit score?
No, a secondary credit number is not a guarantee of a good credit score. It simply provides an opportunity to establish a separate credit file. Building a good credit score still depends on responsible financial behavior.

3. Can I use a secondary credit number for all purposes?
No, a secondary credit number should only be used for credit reporting purposes. It cannot be used for government benefits, employment, or other official purposes.

4. How long does it take to receive a secondary credit number?
The time it takes to receive a secondary credit number varies depending on the company and their processing time. It can range from a few days to several weeks.

5. Can I build credit solely with a secondary credit number?
While a secondary credit number can help you establish credit, it is beneficial to also have other forms of credit, such as a bank account or utility bills, to build a comprehensive credit history.

6. Will my secondary credit number be linked to my Social Security number?
No, a secondary credit number is separate from your Social Security number. It does not link to your existing credit file or affect your primary credit history.

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7. Are there any risks associated with using a secondary credit number?
Using a secondary credit number comes with risks, such as potential scams or fraudulent companies. It is crucial to research and choose a reputable provider to minimize these risks. Additionally, responsible financial behavior is crucial to avoid negative consequences on your credit score.

In conclusion, obtaining a secondary credit number can be a helpful tool for individuals looking to build credit. By following the steps outlined above and staying informed about the process, you can take strides towards improving your creditworthiness and achieving your financial goals.