How To See If Your Social Security Number Is Being Used – Q: Your column last week mentioned that the most sensitive digits of a Social Security number are the last four, since the others can be revealed at birth.
Date and place of residence when opening the account. Do you recommend (as with Medicare cards) that you provide only the first five digits and only provide the last four digits if requested and when appropriate? P. W., Twinsburg
How To See If Your Social Security Number Is Being Used
A: I’d like to see that, except that many places (like Medicare) aren’t satisfied with just the first five digits. (I’ve had this conversation with Medicare before.)
What To Do When Your Social Security Number Is Stolen
Mark my words: The day will come when we don’t give out our Social Security numbers like we throw away a pack of gum. Our SSN will no longer appear on Medicare cards or insurance cards, just as it will no longer appear on our driver’s licenses. (A Social Security number on a driver’s license was required in Ohio until about a decade ago. Shocking now, huh?)
1. The first three digits are the “area number”. This number will be based on the area where you live (for those issued before 1972) or the country the card was sent to (for those issued in 1972 or later).
2. The middle two numbers are the group numbers. I’ve often read that these two numbers often fall close to the last two digits of your birth year, but always within 10 years. It works for everyone I know. Warning: this has never been confirmed to me by anyone in authority.
I’m not the only person who is paranoid about Social Security numbers. As we head into another tax filing season, remember that the Internal Revenue Service doesn’t like that so many people carry their Social Security numbers in their wallets. The IRS deals with tens of billions of dollars in fraud every year, possibly through stolen Social Security numbers.
What To Do If The Social Security Administration Mistakenly Declares You Dead
It seems the IRS and Social Security Administration want people to start complaining to the Centers for Medicare & Medicaid Services, which is the federal agency responsible for the Medicare program.
“Because CMS has jurisdiction over the Medicare card format, you may wish to direct your inquiry to CMS for consideration,” the SSA said. Here’s how to get to the CMS:
Here’s a link to what the SSA has to say about removing your SSN and the problematic Medicare card.
A: Finally, you should check your reports from all three bureaus: Equifax, TransUnion and Experian. Check one every four months. www.annualcreditreport.com
Can You Hire Someone Without A Social Security Number?
1. Equifax — usually the most complete and also if you’re getting your credit score, you’ll want your FICO score. Others can provide their own calculations using their own formulas. But the FICO score is what lenders/borrowers use.
3. Experian. The results may not be accurate because Experian tends to have the thinnest files on people. It would be surprising if Experian had information that no one else had, unless it was wrong.
Please note that your report is free. The result costs a few dollars. Do not go directly through the respective bureau’s website. Your report will not be free.
Q: You’ve urged people to check their credit reports for errors. Are bureaus required to remove duplicates, for example when an account is sold to a new bank? What about refinanced mortgage loans? V.S., Lakewood
Steps To Take If Your Social Security Number Has Been Stolen
A: No. Lenders usually list one trade line for each account number, especially if the credit card account was sold to another bank or if any mortgage is being refinanced (that’s a new loan).
Exception: Sometimes if your credit card is reissued with a new account number (thanks Target!), then it will merge with your old account number and the account will only appear once on your file.
Talk about Target. This is the gift that keeps on giving. Nope. On Friday, Target disclosed that the personal information of up to 70 million people, not just 40 million credit and debit card numbers, had been compromised. Information as part of a wider breach: name, address, phone number and email address.
Target Part 2: In the early days the target was less than necessary about what information was compromised and what wasn’t. One clarification from the previous column: the information on the magnetic strip will include the internal security code, but not the one printed on the card. The number printed on the card is the number often required for online or phone purchases.
Can A Bad Guy Guess Your Social Security Number?: Money Matters
So thieves won’t be able to use stolen account information to make online purchases as long as the merchant finds the code printed on the card. Many, however, do not ask. Thieves can duplicate cards for personal transactions.
Affected data also included debit card PINs. Target believes the data is encrypted securely enough to make it difficult for thieves to obtain the PIN. They hope.
Murray is a personal finance 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 an account through one of the links on our website, we may receive compensation. Since you will be working in the US, you will need to apply for a Social Security card first. If you already have a Social Security number, you do not need to reapply. Make sure you bring the card with you to the US
Types Of Americans Who Aren’t Eligible To Get Social Security
Important: After you apply, it will take 4 to 6 weeks for your Social Security card to arrive. You are allowed to work while waiting for your card. If your employer has questions about your eligibility to work because your card hasn’t arrived, ask him to call 1.800.597.1722.
If you need to apply for a Social Security card for the first time, you will apply in person at your local Social Security office. Use the Social Security Office Locator to find the nearest office. To apply for your card, you must bring original documents AND two photocopies of each of the following documents:
Important: When you apply for a Social Security Number (SSN), you will receive a receipt. Make a copy for your personal records. Give the original certificate to your employer when you arrive. The receipt is proof that you have applied for a social security number.
Important: You will not receive a social security number if you do not register with SEVIS. You must register as soon as you arrive in the US. Participants must wait at least 3-4 business days after registering with SEVIS before applying for a social security number.
How Many Social Security Numbers Do You Have?
Most Social Security offices are only open Monday through Friday from 9:00 a.m. to 4:00 p.m. If possible, you may want to avoid the opening hours of 11:00 AM to 2:00 PM.
After you apply for your Social Security number, we recommend that you check the status of your application after seven to ten days. If you return to the office where you applied, bring all your original documents and the application receipt. Checking the status of your application can reduce delays or problems with your application. Your Social Security number may be available to you before your card is mailed. If you have any questions, call the Social Security Administration’s toll-free number: 1.800.772.1213.
It is your responsibility to notify your employer as soon as you receive your Social Security number. Your employer may ask you to make a copy of your Social Security card (they need the number for tax purposes), but you should keep the original card and keep it in a safe place. Do not laminate your card.
Your Social Security number is a lifetime number that belongs only to you. Do not allow others to use your number. Write your number in a safe place in case your card is lost or stolen. Protect both your card and your number to prevent misuse.
How To Transfer Or Correct Your Earnings On Your Social Security Statement
If you have any questions or have lost your card, call the Social Security Administration’s toll-free number, 1.800.772.1213, or visit their website. You can also call for guidance at 1.800.597.1722.
If there is no Social Security office near your place of work, you may consider applying for your number upon arrival in the US, in one of the major cities (New York, Chicago, Boston, etc.). If this is the case, you will need to prepare all documents before arrival. Because people usually apply for Social Security cards near their place of work, the clerk may tell you to wait and apply after you get to your place of work. You can explain that there is no social security office near your place of work. Therefore, you should register in your city of arrival. If an employee seems unsure about this, politely ask a supervisor or manager.
This article was co-authored by Clinton M. Sandvick, JD, PhD. Clinton M. Sandvick works
Social Security Benefits: How To Check Your Ss Information With Mysocialsecurity?
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