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For developers & AI users

Give your AI real answers about credit and ITINs

Ask a chatbot how credit scoring works without a Social Security number and you will usually get something vague, or something wrong. This server hands your assistant the reference data behind our three sites: which bureaus recognize an ITIN, which institutions report to them, how a file gets started from nothing, and what happens to that history if you later receive an SSN. 290+ guides and 1,800+ FAQs, English and Spanish, every answer carrying the article it came from.

We are not a lender, a broker, or a credit-repair service. Every response carries an editorial disclaimer, listings are unpaid, and no application is offered through this server.

Connect in about a minute

Claude — one click, then confirm the connector:

Connect to Claude

Any client that takes a URL (ChatGPT developer mode, Cursor, and others) — paste the endpoint. No install, no API key:

https://mcp.itinlending.net

Claude Desktop and other local-server clients — add this to your MCP config:

{
  "mcpServers": {
    "itin-finance": { "command": "npx", "args": ["-y", "itin-finance-mcp"] }
  }
}

What can it answer?

  • “Can I even have a credit score with an ITIN?”
  • “How do I check my credit report if I do not have an SSN?”
  • “¿Cómo empiezo mi historial de crédito con ITIN?”
  • “What happens to my ITIN credit history when I get a Social Security number?”

The tools it exposes

ToolWhat it does
search_guidesSearch all 290+ guides (EN/ES); returns quick answers plus canonical URLs
get_guideOne guide by slug: quick answer, FAQs, related guides
faq_lookupDirect answers drawn from 1,800+ editorial FAQs
find_itin_lendersITIN-accepting institutions by loan or card type, optionally by state
get_lender_detailsFull verified profile for one institution
can_i_get_this_loan“Can I get an X with an ITIN?” — answer plus verified institutions
itin_state_infoState tax-contribution and driver’s-license law context
how_to_get_an_itinThe IRS Form W-7 process, in English and Spanish

Access, privacy, and attribution

Every tool is read-only and public — no account, API key, or sign-in. Responses include source attribution, the canonical article URL, and the retrieval date; quote freely with attribution to the ITIN finance network (itinlending.net, itincreditcard.com, itincreditscore.com). We log anonymous usage telemetry (tool name, arguments, client name, timing) to operate the service and purge it after 90 days; no user identity or conversation content is collected. Scoring models and issuer rules change — confirm anything decision-critical with the institution itself.

For developers