[vkou]

> How do you think illegal immigrants, students, H4 dependents etc. do financial transactions ?

I don't know about illegal immigrants, but anyone in the US on a valid visa can walk into a bank, show a teller their passport, and open an account.

Also, most of us aren't so blessed as to have a landlord (Dorm housing) that will forego a credit background check.

[tn13]

Except that the person will have to sign a reason why he/she does not have a SSN and agree to provide it with N days. After that the FICO can track you.