{"id":27652,"date":"2025-11-26T09:17:06","date_gmt":"2025-11-26T14:17:06","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-to-build-credit-in-the-us-as-an-f-1-student-without-a-ssn"},"modified":"2025-12-02T09:07:16","modified_gmt":"2025-12-02T09:07:16","slug":"how-to-build-credit-in-the-us-as-an-f-1-student-without-a-ssn","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-to-build-credit-in-the-us-as-an-f-1-student-without-a-ssn\/","title":{"rendered":"\u5982\u4f55\u4f5c\u4e3aF-1\u5b66\u751f\u5728\u7f8e\u56fd\u5efa\u7acb\u4fe1\u7528\uff08\u65e0\u9700\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff09"},"content":{"rendered":"<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 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bold\">\u4f60\u53ef\u4ee5\u5728\u6ca1\u6709\u793e\u4f1a\u5b89\u5168\u53f7\u7801\u7684\u60c5\u51b5\u4e0b\u5efa\u7acb\u4fe1\u7528\u5417\uff1f<\/span><\/h2>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u662f\u7684\u3002\u867d\u7136SSN\u4f7f\u5f97\u66f4\u5bb9\u6613\u8ddf\u8e2a\u4f60\u7684\u8d22\u52a1\u6d3b\u52a8\uff0c\u4f46\u5e76\u4e0d\u603b\u662f\u9700\u8981\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\u3002\u8bb8\u591a\u94f6\u884c\u548c\u4fe1\u7528\u5361\u516c\u53f8\u5141\u8bb8\u56fd\u9645\u5b66\u751f\u4f7f\u7528\u4ee5\u4e0b\u65b9\u5f0f\u7533\u8bf7\uff1a<\/span><\/p>\n<ul class=\"c5 lst-kix_pu286vk29xe0-0 start\">\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u62a4\u7167<br \/>\n<\/span><\/li>\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u7f8e\u56fd\u5730\u5740<br \/>\n<\/span><\/li>\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 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400\">\u4ee5\u4e0b\u662f\u4e00\u4e9b\u56fd\u9645\u5b66\u751f\u7528\u6765\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\u7684\u53ef\u9760\u65b9\u6cd5\uff1a<\/span><\/p>\n<h3 id=\"h.ky1qdaos36o4\" class=\"c15\"><span class=\"c0\" style=\"font-weight: bold\">\u7533\u8bf7\u4e00\u5f20\u62c5\u4fdd\u4fe1\u7528\u5361<\/span><\/h3>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u62c5\u4fdd\u5361\u9700\u8981\u4e00\u7b14\u53ef\u9000\u8fd8\u7684\u62bc\u91d1\uff08\u901a\u5e38\u4e3a200\u81f3500\u7f8e\u5143\uff09\uff0c\u8fd9\u5c06\u6210\u4e3a\u60a8\u7684\u4fe1\u7528\u989d\u5ea6\u3002\u7528\u5b83\u8fdb\u884c\u5c0f\u989d\u8d2d\u7269\uff0c\u5e76\u5728\u6bcf\u4e2a\u6708\u5168\u989d\u507f\u8fd8\u3002<\/span><\/p>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u5bfb\u627e\u5177\u6709\u4ee5\u4e0b\u7279\u70b9\u7684\u5361\u7247\uff1a<\/span><\/p>\n<ul class=\"c5 lst-kix_cxbar61uwmbt-0 start\">\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 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400\">\u5982\u679c\u60a8\u5728\u7f8e\u56fd\u6709\u4eb2\u621a\u6216\u503c\u5f97\u4fe1\u8d56\u7684\u670b\u53cb\uff0c\u4ed6\u4eec\u53ef\u4ee5\u5c06\u60a8\u6dfb\u52a0\u4e3a\u4ed6\u4eec\u4fe1\u7528\u5361\u7684\u6388\u6743\u7528\u6237\u3002\u4ed6\u4eec\u7684\u79ef\u6781\u652f\u4ed8\u5386\u53f2\u53ef\u80fd\u6709\u52a9\u4e8e\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/span><\/p>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u53ea\u6709\u5728\u5bf9\u65b9\u4fe1\u7528\u826f\u597d\u4e14\u4f59\u989d\u8f83\u4f4e\u7684\u60c5\u51b5\u4e0b\u624d\u4f7f\u7528\u6b64\u65b9\u6cd5\u3002<\/span><\/p>\n<h3 id=\"h.lc556on6y1xf\" class=\"c15\"><span class=\"c0\" style=\"font-weight: bold\">\u83b7\u53d6\u4e00\u5f20\u9002\u5408\u5b66\u751f\u7684\u4fe1\u7528\u5361<\/span><\/h3>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u4e00\u4e9b\u53d1\u5361\u673a\u6784\u63d0\u4f9b\u65e0SSN\u8981\u6c42\u7684\u5b66\u751f\u5361\uff0c\u7279\u522b\u662f\u5bf9\u90a3\u4e9b\u5728\u4e3b\u8981\u7f8e\u56fd\u5927\u5b66\u5c31\u8bfb\u7684\u5b66\u751f\u3002\u8fd9\u4e9b\u5361\u901a\u5e38\u6709\u4f4e\u989d\u5ea6\uff0c\u5e76\u9700\u8981\u63d0\u4f9b\u5165\u5b66\u8bc1\u660e\u3002<\/span><\/p>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u5728\u7533\u8bf7\u4e4b\u524d\uff0c\u8be2\u95ee\u60a8\u7684\u94f6\u884c\u6216\u4fe1\u7528\u5408\u4f5c\u793e\u4ed6\u4eec\u63a5\u53d7\u54ea\u4e9b\u6587\u4ef6\u3002<\/span><\/p>\n<h3 id=\"h.zdsc7jl0h34g\" class=\"c15\"><span class=\"c0\" style=\"font-weight: bold\">\u4f7f\u7528\u52a9\u5b66\u91d1\u6765\u5efa\u7acb\u4fe1\u7528<\/span><\/h3>\n<p class=\"c13\">\u4e00\u4e9b\u4fe1\u7528\u5408\u4f5c\u793e\u63d0\u4f9b\u5c0f\u989d\u5206\u671f\u52a9\u5b66\u91d1\uff0c\u65e8\u5728\u5efa\u7acb\u4fe1\u7528\u3002\u8fd9\u4e9b\u52a9\u5b66\u91d1\u7684\u5de5\u4f5c\u65b9\u5f0f\u662f\u5c06\u52a9\u5b66\u91d1\u91d1\u989d\u5b58\u5165\u4e00\u4e2a\u9501\u5b9a\u7684\u8d26\u6237\uff0c\u540c\u65f6\u60a8\u8fdb\u884c\u652f\u4ed8\u3002\u4e00\u65e6\u60a8\u5b8c\u6210\uff0c\u60a8\u5c06\u83b7\u5f97\u9000\u6b3e\u548c\u79ef\u6781\u7684\u4fe1\u7528\u5386\u53f2\u3002\u5982\u679c\u60a8\u662f\u4efb\u4f55<span class=\"c20\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/private-student-loans-without-cosigner\">\u5b66\u751f\u52a9\u5b66\u91d1\u8ba1\u5212<\/a><\/span><span class=\"c3\" style=\"font-weight: 400\">\u7684\u4e00\u90e8\u5206\uff0c\u90a3\u4e48\u901a\u8fc7\u6301\u7eed\u3001\u53ca\u65f6\u7684\u8fd8\u6b3e\uff0c\u8fd9\u4e9b\u4e5f\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5efa\u7acb\u4fe1\u7528\u5386\u53f2\u3002<\/span><\/p>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u5982\u679c\u4f60\u4e0d\u9700\u8981\u7acb\u5373\u83b7\u5f97\u8d44\u91d1\uff0c\u8fd9\u53ef\u4ee5\u662f\u5c55\u793a\u4ed8\u6b3e\u4e00\u81f4\u6027\u7684\u5b89\u5168\u65b9\u5f0f\u3002<\/span><\/p>\n<h2 id=\"h.38xpnhdst42x\" class=\"c12\"><span class=\"c4\" style=\"font-weight: bold\">\u5efa\u7acb\u548c\u7ef4\u62a4\u826f\u597d\u4fe1\u7528\u7684\u63d0\u793a<\/span><\/h2>\n<ul class=\"c5 lst-kix_r0cob9gv476v-0 start\">\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u6bcf\u6b21\u90fd\u6309\u65f6\u652f\u4ed8\u8d26\u5355\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u4fdd\u6301\u4fe1\u7528\u5361\u4f59\u989d\u8f83\u4f4e\uff08\u4f4e\u4e8e\u9650\u989d\u768430%\uff09\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u4e0d\u8981\u4e00\u6b21\u7533\u8bf7\u592a\u591a\u5361\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u4e00\u65e6\u6709\u6587\u4ef6\uff0c\u68c0\u67e5\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u662f\u5426\u6709\u9519\u8bef\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 400\">\u907f\u514d\u4f7f\u7528\u4fe1\u7528\u8d2d\u4e70\u4f60\u65e0\u6cd5\u507f\u8fd8\u7684\u8d2d\u7269\u3002<\/span><\/li>\n<\/ul>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">\u4fe1\u7528\u7684\u5efa\u7acb\u662f\u6162\u6162\u8fdb\u884c\u7684\u3002\u957f\u65f6\u95f4\u7684\u8d1f\u8d23\u4efb\u4f7f\u7528\u6bd4\u8bd5\u56fe\u5feb\u901f\u63d0\u9ad8\u4f60\u7684\u5206\u6570\u66f4\u91cd\u8981\u3002<\/span><\/p>\n<h2 id=\"h.iaw01t6vz7j2\" class=\"c12\"><span class=\"c4\" style=\"font-weight: bold\">MPOWER Financing\u5982\u4f55\u5e2e\u52a9\u5b66\u751f\u5728\u8d22\u52a1\u4e0a\u6210\u529f<\/span><\/h2>\n<p class=\"c13\">\u867d\u7136\u5efa\u7acb\u4fe1\u7528\u9700\u8981\u65f6\u95f4\uff0c\u4f46MPOWER Financing\u63d0\u4f9b<span class=\"c20\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/no-cosigner-student-loans\">\u79c1\u4eba\u52a9\u5b66\u91d1<\/a><\/span><span class=\"c3\" style=\"font-weight: 400\">\u00a0\u7ed9F-1\u7b7e\u8bc1\u6301\u6709\u8005\uff0c\u65e0\u9700\u7f8e\u56fd\u4fe1\u7528\u5386\u53f2\u6216\u8054\u4fdd\u4eba\u3002\u8fd9\u4e9b\u52a9\u5b66\u91d1\u53ef\u4ee5\u5e2e\u52a9\u4f60\u7ba1\u7406\u5b66\u6821\u8d39\u7528\uff0c\u540c\u65f6\u4fdd\u6301\u4f60\u7684\u8d22\u52a1\u8bb0\u5f55\u6e05\u6d01\u548c\u7a33\u5b9a\u3002<\/span><\/p>\n<p class=\"c13\"><span class=\"c3\" style=\"font-weight: 400\">MPOWER\u52a9\u5b66\u91d1\u53ef\u4ee5\u5e2e\u52a9\u4f60\uff1a<\/span><\/p>\n<ul class=\"c5 lst-kix_7p9a8ogfm8p1-0 start\">\n<li class=\"c2 li-bullet-0\"><span class=\"c3\" style=\"font-weight: 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