What If Someone Has Your Social Security Number – Your Social Security number is valuable to identity thieves because it is tied to your identity. Learn what to do if your Social Security card is stolen or lost and how to protect your personal information. [Duration – 1:48]
Your social security number is valuable information to identity thieves. This is a key element of your identity and is also linked to tax and credit information. And it cannot be changed, except in certain circumstances. That’s why there’s so much worry about your card getting lost or stolen.
What If Someone Has Your Social Security Number
1. Consider placing or placing a fraud alert or security lock on your credit reports. In an initial fraud alert, potential lenders and creditors are encouraged to take additional steps to verify your identity, such as contacting you by phone before extending new credit. A fraud alert is 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.
Police: Scammers Say Your Social Security Number Was Stolen, In Order To Steal Your Social Security Number
A security freeze prevents access to credit reports to open new credit accounts, with some exceptions. Security freezes are governed by federal regulations, and the freeze must be temporarily or permanently lifted each time you apply for a new loan. Placing, canceling and removing a security block is free, but the security block must be placed separately at all three national credit bureaus. You can create your own account on the site for safe disconnection. Visit our security page to learn how to freeze your credit report.
Credit report freeze options are also available from the three national credit bureaus. Learn more about fraud alerts, security locks, and credit reports.
2. Request a replacement card at the social security department. The Social Security Administration allows you to exchange cards for free; limited to three per year or 10 during your lifetime (name change and other exceptions do not count). You can create a My Social Security account to request a replacement card if:
Please note: You cannot set up my social security account online if you have a fraud alert or security freeze on your credit report.
What To Do If Someone Has Stolen Your Identity During Tax Season
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. Documents confirming your identity and age must be provided. You can find out what documents are required here. Print the application and fill it out, then bring the application and documents to the Social Security office. We will send your new card directly to you.
3. Check your credit reports. Monitor your credit reports in the future to prevent unauthorized new accounts from being opened in your name or changes to existing accounts without your permission. You can also keep track of any address changes you haven’t made or inquiries from lenders and creditors you haven’t contacted. You can get a free copy of your credit report every 12 months from all three national credit bureaus at www.annualcreditreport.com. You can also create your own account to receive six free credit reports per year. You can also click Get My Free Credit Score on your dashboard to sign up for Core Credit™, where you can receive a free monthly credit report and a free monthly VantageScore® 3.0 credit score based on your data. VantageScore is one of many types of credit scores.
The initial fraud alert also allows you to request additional free copies of your credit report from the three national credit bureaus.
1. File an identity theft report with the police or the Federal Trade Commission (FTC). This will help if someone uses your Social Security number for fraud, as it provides a legal record of the theft.
Ways To Replace Your Lost Social Security Card
2. If you believe your identity has already been used, you can also contact the Social Security Fraud Hotline at (800) 269-0271.
3. Call the Internal Revenue Service at (800) 908-4490 to report the theft and help prevent someone from filing a tax return on your behalf.
4. Consider an advanced fraud alert on your credit reports. Advanced fraud notification requires an identity theft report from the police or the FTC. It is valid for 7 years and requires lenders or creditors to verify your identity (in person or by phone at a number you provide) before opening new accounts or changing existing ones.
An Enhanced Fraud Alert also entitles you to two additional copies of your credit report from the three national credit bureaus within the first year of the Enhanced Fraud Alert. Your name will be removed from pre-screened credit card or insurance offers for 5 years.
Ways You Can Keep Your Social Security Number … Secure
5. If you see information on your credit reports that you believe is inaccurate or incomplete, notify the lender or creditor. You can also file a dispute with the credit reporting agency. If you want to dispute information on your credit report, you can create an account. Visit our appeals page for other ways to appeal.
For $19.95 USA per month you can know where you stand and access your credit reports from 3 bureaus. Subscribe to plete. If your Social Security number has been stolen, report identity theft to the Federal Trade Commission and the police, close your credit report, and contact companies that you suspect have fraudulently obtained your SSN.
Through December 31, 2023, TransUnion and Equifax are offering all U.S. consumers a free weekly credit report at AnnualCreditReport.com to help protect their financial health during the sudden and unprecedented hardships caused by COVID-19.
If your Social Security Number (SSN) has been stolen, you need to act quickly to reduce the damage done by fraudsters. It is important to report the theft to the appropriate authorities and protect your credit and personal information. Then you should take additional measures to protect your identity.
What You Should Know About Social Security Number Verification
According to the Identity Theft Resource Center, the number of data breaches in the US will increase by 68% in 2021 compared to the previous year. In particular, cyberattacks are becoming more common, increasing the risk of theft and possible fraud of Social Security numbers and other personal information. Below are the steps to take if your Social Security number and related information has been compromised.
The first step is to report identity theft to the Federal Trade Commission (FTC) and file a police report. When you visit the Social Security Administration website, it directs you to the FTC’s website, IdentityTheft.gov, where you can report one or more of the following types of fraud involving your Social Security:
You will then be informed of the next steps, which may include filling out additional forms and obtaining a recovery plan. In the case of tax-related identity theft, which typically involves your Social Security, you may need to file an Identity Theft Claim or Form 14039.
After reporting the theft to the Federal Trade Commission, file a claim with your local jurisdiction. While your city or county may not be able to immediately (or at all) investigate this crime, a police report can serve as a document in your efforts to recover and establish your identity.
A New Service Alerts You When Someone Uses Your Social Security Number
A credit freeze restricts access to your credit report and helps prevent fraudsters from opening a new account, renting an apartment, or applying for a loan in your name. Freezing your credit does not affect your credit score, and you can unfreeze and refreeze your credit report at any time.
You must open and close your credit separately with each of the three credit bureaus (TransUnion and Equifax).
If you believe your Social Security number has been stolen, but you don’t have proof of fraud, you can place a fraud alert on your credit report instead of a credit freeze. Rather than restricting access to your credit report, a fraud alert asks credit-checking companies to verify your identity before offering credit on your behalf.
If you place a fraud alert with a credit bureau, it will cover all three. It does not affect your credit score.
Don’t Give Out Your Social Security Number To Cyberscammers
In the event that your information has been used to create fraudulent accounts, please contact each company involved. For example, if your Social Security number was used to open bank or credit accounts in your name, contact each company and explain that you have been the victim of identity theft. They can then close your accounts so that the attacker can no longer use the accounts.
If someone has used your information to create fraudulent identification records, you should contact all the appropriate authorities, including the IRS, the Social Security Administration, and the Secretary of State’s office, which handle cases of identity fraud.
From now on, the name of the game will be monitoring and constant protection. For example, if you want to know if someone else is using your Social Security number for employment, review your Social Security statement and look for suspicious activity.
Make it a habit to regularly check your bank and credit card accounts for suspicious online activity. You should monitor your credit report, driving record and
The Purpose Of Having A Social Security Number
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