That means some noncitizen residents who
lack Social Security numbers are left out, while other people who have a credit report — but not a credit card — are counted in the total anyway.
Lack of access to financial products — like credit cards, loans and deposit accounts — is an issue plaguing millions in the U.S. Traditional financial institutions, like banks and credit unions, depend on credit reports and
Social Security numbers (SSNs) when evaluating applicants.