Unfortunately in real life it is a useless product.
The idea is good, but unfortunately in real life it is a useless product. For example. This product allows you to track in the credit bureaus your credit history if you have an ITIN but no SSN. But when you try to verify with an ITIN they ask you for additional documents, here is a list: Using an ITIN requires two steps. First, provide one of the following: Permanent Labor Certification w/ USCIS application or authorization Employment Authorization Document (EAD) U.S. Work or Student VISA I-765 Form And here is the main difficulty. What if I don't have any of these documents? At the same time I have ITIN and credit cards. And I know a lot of people who are in a similar situation. So, as I wrote, the idea is good, but in real life does not work.