ITIN Guide: How to Apply and File Taxes Without a Social Security Number

What Is an ITIN?

An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS to individuals who need to file taxes but don't have — and aren't eligible for — a Social Security Number. It's a 9-digit number that starts with the number 9.

Who Needs an ITIN?

• Non-resident aliens who need to file a U.S. tax return
• U.S. resident aliens who need to file a U.S. tax return
• Dependents or spouses of U.S. citizens or resident aliens
• Dependents or spouses of non-resident alien visa holders

Why Should You Apply?

Filing taxes with an ITIN is not just a legal obligation — it's a powerful step toward financial stability. With an ITIN, you can:

• Build a tax filing history (important for future immigration processes)
• Open a bank account at many institutions
• Apply for a home mortgage at some banks
• Claim tax credits like the Child Tax Credit
• Establish financial credibility in the U.S.

How to Apply: Step by Step

1. Complete IRS Form W-7 (Application for ITIN)
2. Attach a valid federal tax return (unless you qualify for an exception)
3. Provide original identification documents (passport is the most common)
4. Submit by mail to the IRS, through a Certified Acceptance Agent, or at an IRS office

How ABA 360 Helps

As Certified Acceptance Agents, we help you through the entire ITIN application process. We review your documents, complete the paperwork, and file your tax return — all in Spanish or English. No confusion, no stress.