Okay, I've read all these threads about ITIN's. My husband has an ITIN. I wanted to build his credit, so that when we bought a house, him not having any wouldn't effect my score, because you know when you are married if one has great credit and the other has, well none or is crap, it brings the good score down, or so I was told. Any ways, My husband has our Electric, Phone, A Vehicle, 1 gas card and 1 credit card for emergenies all in his name using his ITIN. The catch was that he couldn't apply online, he had to call the electric, phone, and cc people to obtain this. Now with the vehicle, he found a buy here pay here place, which where we live it's mostly those, and found a really really nice vehicle and they financed him.

So you can obtain things, just most of the time you have to call on the phone. The only ppl to have asked to see his actual ITIN was the place for the vehicle. Oh and he recently got a bank account with Bank of America. He did the application online for a e-checking account; which is an online bank account with NO fees if you use direct deposit or deposit your money through the ATM, but he had to call after he did the application to verify his ITIN number. They told him they wanted to make sure it was him using his own ITIN, but never asked him to see a copy of it.