I&#x27;m Canadian and just moved to the US. While utilities were pretty good about me not having a SSN (including Verizon), it&#x27;s all the stuff that comes after that&#x27;s causing me problems. So many web sites either rely on having an SSN on file, or by contracting to a 3rd party to do identity checks that fail when you don&#x27;t have a US credit history.<p>I&#x27;m currently in Limbo with my healthcare provider because they won&#x27;t let me pay my bills online (or set up appointments, see results, or email my doctor) until I validate my identity, I&#x27;ve had to do my auto registration through snail mail because the state&#x27;s website won&#x27;t recognize my SSN, and have also had to call other places to get set up on their websites because of having no SSN when I started.<p>You mentioned T-Mobile, who were pretty good in getting me set up without a credit check, but won&#x27;t auto debit my credit card when I have a bill. I have to go online each month and pay, with that same credit card. And getting to that point took a couple of phone calls.