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? How does MPOWER review my home country credit history? What is Nova Credit? How long does it take to get a loan with MPOWER? As an international student, am I eligible to apply? Can I take a loan for my family member or friend?