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What Happens If Someone Gets Your Social Security Number

5 min read

What Happens If Someone Gets Your Social Security Number – Q: Your column last week said that the most sensitive digits of a Social Security number are the last four digits, because others can be identified by birth.

Date and residence of account opening. Do you recommend (as with Medicare cards) only list the first five digits and give the last four if asked and when appropriate? P. W., Twinsburg

What Happens If Someone Gets Your Social Security Number

A: I’d like to see that, except many places (like Medicare) aren’t happy to list the first five digits. (I’ve talked to Medicare before.)

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Mark my words: The day will come when we won’t be giving out social security numbers like plastic bags. Our SSN will no longer appear on our Medicare or insurance cards, just as it will no longer appear on our driver’s license. (A social security number was required for a driver’s license in Ohio until a decade ago. Shocking now, huh?)

1. The first three numbers are the “area number”. This number is based on your state of residence (for those issued before 1972) or the state in which the card was issued (for those issued in 1972 or later).

2. The middle two numbers are group numbers. I like to read that these two numbers are usually close to the last two digits of your birth year, but always within 10 years. It works for everyone I know. I remind you: I have never received this confirmation from the authorities.

I’m not the only one who worries about social security numbers. As we head into another tax season, remember that the Internal Revenue Service hates that many people carry their Social Security numbers in their purses. The IRS deals with billions of dollars in fraud each year, made possible by the theft of Social Security numbers.

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Apparently the IRS and the Social Security Administration want people to start complaining to the Centers for Medicare & Medicaid Services, the federal agency in charge of the Medicare program.

“Because CMS has jurisdiction over Medicare card forms, you may submit your question to CMS for review,” the SSA said. Here’s how to get CMS:

Here’s a link to what the SSA has to say about providing your problematic SSN and Medicare card.

A: Finally, you should check your reports from three bureaus: Equifax, TransUnion and Experian. See one every four months. www.annualcreditreport.com

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1.  Equifax — This is the most comprehensive and also, if you are getting a credit score, you really need your FICO score. Others can provide their own calculations using their own formulas. But the FICO score is used by lenders/lenders.

3. Experience. Ratings may not be accurate because Experian often has the thinnest files on people. It would be surprising if Experian had information that others did not, unless it was incorrect.

Note that your report is free. A few price figures. Do not go directly to the website of each office. Your report will not be free.

Q: You have urged people to check their credit reports for errors. Does the office need to pick up duplicate items, such as when an account is sold to a new bank? What about secured loans? V.S., Lakewood

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A: No. Lenders typically list one line for each account number, especially if the credit card account was sold to another bank or if the loan is being refinanced (the new loan).

Exception: Sometimes if your credit card is renewed with a new account number (thanks Target!), it will be merged with your old account number and the account will only appear on your record once.

Talk about goals. This is the gift that keeps on giving. No. On Friday, Target announced that the personal information of up to 70 million people, not just 40 million credit and debit card numbers, had been compromised. The information was part of a broader breach: names, addresses, phone numbers and email addresses.

Goal 2: Targets whose data is compromised and not compromised are less likely to be in the background. Note from previous column: Magnetic stripe information may include an internal security code, not the code printed on the card. The number printed on the card is the number most required for online or mobile purchases.

Coastal Credit Union

Therefore, thieves cannot use stolen account information to make online purchases if the merchant asks for the code printed on the card. But many did not ask. Thieves can make copies of cards for personal transactions.

The victim’s information also includes the PIN of the debit card. Target believes the data is encrypted to make it difficult for thieves to obtain the PIN code. They hope.

Murray is a special financial writer for The Plain Dealer. Due to the volume of requests, he cannot help everyone who contacts him.

If you purchase a product or register for an account through a link on our website, we may receive compensation. By using this website, you agree to our user agreement and agree that your clicks, interactions and personal information may be collected, recorded and/or stored by us and our social media and partners. Your Social Security number is valuable to identity thieves because it relates to who you are. Learn what to do if your Social Security card is stolen or lost and how to protect your personal information. [Duration – 1:48]

When To Collect Social Security: Why You Should Wait

Your social security number is valuable information for thieves. It is an important part of who you are and is also related to tax and credit information. And except in limited circumstances, it cannot be changed. This is why the loss or theft of your card is a big concern.

1. Consider placing a fraud alert or security freeze on your credit report or locking them. With the first fraud alert, lenders and potential borrowers are encouraged to take additional steps to verify your information, such as contacting you by phone, before extending new credit. Fraud alerts are valid for one year and can be renewed. Fraud alerts are free. Contact one of the three national credit bureaus – , Experian or TransUnion – to request a fraud alert, and that bureau will notify the other two.

A security freeze prevents access to your credit report to open a new credit account, with some exceptions. Security foreclosures are regulated by the federal government, and the foreclosure must be temporarily or permanently lifted each time you apply for a new loan. Establishing, raising and withdrawing a security deposit is free, but the security deposit must be placed separately at all three credit bureaus across the country. In , you can create my account to set a security stop. Visit our Security Policy page to learn about other ways you can keep your credit report secure.

The option to close your credit report is available at three credit bureaus nationwide. Learn more about fraud alerts, security freezes and credit report locks.

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2. Request a replacement card from the social security agency. Social Security provides replacement cards free of charge; You are limited to three per year or 10 in your lifetime (name changes and other differences are ignored). You can create a Social Security account to apply for a replacement card if you:

Please note: You cannot create a Social Security account online if there is a pending fraud or security alert on your credit report.

If you are not in a participating state and cannot apply for a replacement card online, you must apply at your local Social Security office. You will need to provide proof of your identity and age. Learn what documents are required here. Print the application and fill it out, bring the application and documents to the Social Security office. Your new card will be sent directly to you.

3. Check your credit report. Monitor your future credit reports to make sure no new unauthorized accounts are opened in your name or existing accounts are changed without your permission. You can also search for address changes that you did not make or questions from lenders and creditors that you did not apply for a loan. You are entitled to a free copy of your credit report every 12 months from three credit bureaus nationwide by visiting www.annualcreditreport.com. You can also create a My Account to get six free credit reports per year. Additionally, you can click “Get Free Credit Score” on your dashboard to sign up for Core Credit™ to get Get a free monthly credit report and VantageScore® 3.0 score, based on data. VantageScore is one of many credit scores.

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The first fraud alert also allows you to request additional copies of your credit report from three credit bureaus nationwide.

1. File a police report or identity theft report with the Federal Trade Commission (FTC). This will help if someone uses your social security number to commit fraud, as it will provide

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