Identity Theft Defense | Social Security Number Identity Theft

Here are some strategies to protect your social security number:

• Assume an active policy of not sharing your SSN unless you are convinced that it is needed or is to your own benefit. If the person asking for it states that it is highly needed, simply ask him or her why it is needed. Look for some proofs to support his explanation.

• Never print your social security number on your address labels, checks, business cards, or other identifying information. Also, do not carry your SSN card in your wallet, or other cards containing the numbers. We can’t escape the fact that your wallet could be lost or stolen.

• Attempt to resist merchant’s requests to write your social security number onto your checks. Let him or her know how you could become a victim of fraud if someone were to use your SSN and account number to gain access to your bank or credit accounts, or perhaps to open a new account in your name.

• The Social Security Administration (SSA) usually mails your Social Security Personal Earnings and Benefit Estimate Statement. So, pay attention to this document. Be certain that the information indicated in the file is correct. You can even contact the SSA to verify how to get this free report. And, in case incorrect information is recorded, contact the SSA immediately. Someone may be fraudulently using your SSN for employment purposes.

• Ask for a copy of your credit report each year. If for instance, you are a victim of identity theft, the credit report will contain evidence of credit or banking fraud committed using your SSN and name. The report will also show other SSNs associated with your name.

• If a private business requests your social security number, just leave the space for the SSN on the form blank or write “refused” or N/A in that space. Then, speak to someone in authority or write to the business and explain why you do not want your SSN used to identify you. However, if you do not receive satisfaction from the first person you contact, approach a person in the organization with more authority. You can also ask why your social security number is requested, and if the company insists on having your SSN, tell it that you will take your business elsewhere. Follow through on your promise if the company persists. Note that you have right to privacy and show that right.

• In the event that your employer releases or displays your social security number, you have the right to explain why you object. Most employers do not treat SSNs as confidential information. But, they may be willing to change their policy when they understand the twin dangers of invasion of privacy and fraud.

• If your bank or other financial service provider uses your SSN as a personal identification number (PIN) or as an identifier for banking by phone or internet, write a letter of complaint. Just demand to have a different PIN or identification number assigned.

• If the Department of Motor Vehicles in your state uses the SSN as the driver’s license number, ask for an alternate number. Note that today, the federal law requires state Motor Vehicles departments to use a number other than the SSN for the driver’s license number.

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Social Security Identity Fraud
Social Security identity fraud is one of the primary reported methods ...
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