If I don't have a social security number, how does my loan help to build my U.S. credit history? April 13, 2020 02:04 Updated Your loan will be reported to the credit bureaus using the information provided in your application. Related articles How is my credit impacted if I miss a payment? What can I do if I won't be able to afford the full monthly payment amount? How long does it take to get a loan with MPOWER? As an international student, am I eligible to apply? How does MPOWER review my home country credit history? What is Nova Credit?