Build US credit as an international student

Rentaba helps international students turn rent payments into US credit history.

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Can international students get a US phone plan

International students can get a US phone plan. It’s usually possible on day one with a passport, I‑20/DS‑2019, and a payment method. The only tricky part is that some providers require a Social Security Number or credit check for postpaid plans, but there are good no‑SSN options.

 

How international students can get a US phone plan

 

In the US, phone service comes in two forms: prepaid (pay in advance, no credit check) and postpaid (pay monthly after using service, usually requires SSN or credit history). International students almost always start with prepaid because it’s simple and does not involve credit rules.

  • Prepaid plans: No SSN, no credit check, cancel anytime, pay upfront. Works with passport and US address. Good for students without US credit. Major carriers (T‑Mobile, AT&T, Verizon) and low‑cost brands like Mint, Visible, or US Mobile offer these.
  • Postpaid plans: Better phone deals and sometimes better coverage, but usually require SSN for a credit check. Without SSN, carriers may ask for a large deposit (often 300–500 USD). Most new students skip this at first.
  • eSIM options: Many students activate an eSIM online the moment they land. T‑Mobile, Mint, Visible, and others allow activation without visiting a store.

 

What documents international students need

 

For prepaid plans, providers usually ask for:

  • Passport for identification
  • US address (dorm, temporary housing, or host address is fine)
  • US payment method or sometimes a foreign card; many prepaid carriers accept both

For postpaid plans, providers typically also ask for:

  • SSN (Social Security Number) for a credit check
  • Deposit if no SSN or no credit history

 

What phone options students have

 

  • Bring your own phone: Works if the phone is unlocked. Most international devices are fine.
  • Buy a phone from a carrier: Prepaid plans usually require paying the full price upfront. Postpaid plans offer installment payments but require credit check or deposit.

 

Practical advice

 

  • Start with prepaid: Quick, safe, and avoids credit issues.
  • Switch to postpaid later: If you get an SSN through on‑campus work, you can switch and build US credit.
  • Check your campus deals: Some universities have discounted student plans.

Overall, getting a US phone plan as an international student is straightforward, and prepaid options make the process smooth even without local credit or documents.

New to the US? Your rent can help build credit

See how Rentaba uses rent payments to support early credit building.

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Frequently Asked Questions

Everything you need to know about rent reporting, simplified and explained.

What is Rentaba and what does it do?
What are the benefits of Rentaba for universities?
My university does not have this program yet. Can Rentaba help me build credit?
Can I use Rentaba if my rent is being partially paid by a scholarship?
Does Rentaba help with living on campus?
What is a lease agreement?
Where can I find my university billing statement?
Does using Rentaba change how I pay my rent?
Do I need to keep uploading my payments? When?
Which credit bureaus does Rentaba report to?
Why do I need to wait 3 months to see my credit score change?
I started my lease 6 months ago, can I get credit for my past payments?
What impact will I see on my credit score?

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