What To Do If Someone Steals Your Social Security Number – Your Social Security number is very valuable to identity thieves because it is tied to your identity. Learn what to do if your Social Security card is lost or stolen and how to protect your personal information. [Duration – 1:48]
Your Social Security number is valuable information for identity thieves. It’s an important part of your identity, and it’s also tied to your tax and credit information. And, except in limited circumstances, it cannot be changed. That’s why it’s so important to worry about your card being lost or stolen.
What To Do If Someone Steals Your Social Security Number
1. Consider placing a fraud alert or security block on your credit reports or blocking them. With an initial fraud alert, potential lenders and lenders are encouraged to take additional steps to verify your identity, such as contacting you by phone, before extending new credit. A fraud alert lasts for one year and is renewable. 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.
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Security restrictions help prevent access to your credit reports to open new credit accounts, with exceptions. The security freeze is federal, and the freeze must be temporarily or permanently removed each time you apply for new credit. Placing, removing, and removing security blocks are free, but security blocks must be placed separately at each of the three national credit bureaus. At , you can set up my account to set a security block. Visit our security freeze page to learn more ways to put security on your credit report.
Options to freeze your credit report may also be available at the three national credit bureaus. Learn about fraud alerts, security restrictions and credit reporting restrictions.
2. Apply to the Social Security Administration for a replacement card. The Social Security Administration allows free card replacements; you are limited to three per year or 10 in a lifetime (name changes and other exceptions do not count). You can create a Social Security account to apply for a replacement card if:
Note: You cannot create a Social Security account online if you have a fraud alert or security block on your credit reports.
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If you are not in a participating state and cannot apply for a replacement card online, you will need to apply at your local Social Security office. You will need to bring documents proving your identity and age. Find out about the required documents here. Print an application and fill it out, then take the application and documents to the Social Security office. Your new card will be sent to you automatically.
3. Check your credit reports. Keep an eye on your future credit reports to make sure no new unauthorized accounts are opened in your name or any existing accounts are modified without your permission. You can also track any address changes you haven’t made or any inquiries from lenders and creditors you haven’t applied for credit. You are entitled to a free copy of your credit report every 12 months from any of the three national credit bureaus when you visit www.annualcreditreport.com. You can also create a My Account to receive six free credit reports each year. Additionally, you can click “Get a Free Credit Score” on my dashboard to sign up for Core Credit™ to receive a free monthly credit report and VantageScore® 3.0 credit score database. monthly for free. VantageScore is one of many types of credit scores.
The initial fraud alert also allows you to request an additional free copy of your credit report from the three national credit bureaus.
1. File a police report or Federal Trade Commission (FTC) Identity Theft Report. This will help if someone uses your CPF to commit fraud, as it will provide a legal record of the theft.
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2. If you believe your ID has been used in the past, you may also contact the Community 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 placing a long fraud alert on your credit reports. Long notification of fraud requires a police or FTC identity theft report. It lasts for 7 years and requires lenders or borrowers to verify your identity (in person or by phone at the number you provide) before new accounts can be opened or changes made to existing ones.
An extended fraud alert also entitles you to two additional copies of your credit report from three national credit bureaus during the first year after the extended alert is issued. Your name has been removed from pre-selected credit card or insurance policies for 5 years.
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5. If you see credit reports that you believe are incorrect or incomplete, notify the lender or creditor. You can also file a dispute with the credit bureau by reporting the information. To file a dispute about information on your credit report, you can create a My Account. Visit our dispute page for other ways to file a dispute.
For $19.95 a month, you can find out where you stand by getting your credit report from 3 bureaus. Register fully If your Social Security number is stolen, report identity theft to the Federal Trade Commission and the police, stop your credit report, and contact companies you suspect your SSN belongs to in fraud.
Through December 31, 2023, TransUnion and Equifax will provide all US consumers with free weekly credit reports through AnnualCreditReport.com to help protect your financial health during unexpected and unprecedented crises. caused by COVID-19. 19.
If your Social Security Number (SSN) is stolen, you’ll need to act quickly to minimize the damage caused by fraud. It is important to report theft to the proper authorities and protect your credit and personal information. Then, you may want to take additional steps to continue protecting your identity.
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The number of data breaches in the United States will increase 68% in 2021 compared to last year, according to the Identity Theft Resource Center. Cyberattacks, in particular, are becoming commonplace, putting SSNs and other personal information at greater risk of theft and eventual use for fraud. Here are the steps you should take if your SSN and related information is compromised.
Your 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’s website, you will be directed to the FTC’s website, IdentityTheft.gov, where you can report one or more of the following types of fraud involving your SSN:
You will then be given information about the next steps to take, including filling out additional forms and getting a recovery plan. For tax-related identity theft, often involving your SSN, you may need to file an identity theft affidavit or Form 14039.
After reporting the theft to the FTC, file a police report with your local authority. While your city or county may not be able to investigate this crime immediately (or at all), having a police report can serve as evidence in your identity recovery and resolution efforts.
What Can Someone Do With Your Social Security Number?
A credit freeze limits access to your credit report and helps prevent fraudsters from opening new accounts, renting properties, or applying for loans in your name. Freezing your credit will not affect your credit score, and you can remove it from your credit report at any time.
You will need to remove your ice from all three credit bureaus (TransUnion and Equifax).
If you think your SSN has been stolen, but you don’t have any evidence of fraud, you can put a fraud alert on your credit report instead of a credit freeze. Instead of restricting access to your credit report, a fraud alert asks your credit check companies to verify your identity before issuing credit on your behalf.
Placing a fraud alert with the credit bureau increases the alert for all three. It has no effect on your credit score.
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If your information has been used to create fake accounts, you should contact each company involved. For example, if your SSN was used to open bank or credit accounts in your name, contact each company and explain that you were a victim of identity theft. They can lock their accounts so that identity thieves can’t access the accounts.
If someone has used your information to create false identity records, you will need to contact all the agencies involved, possibly including the IRS, the Social Security Administration, and your secretary of state’s office. which handles fake identity cases.
In the future, the name of the game is constant monitoring and surveillance. For example, to see if your Social Security number is being used by someone else for employment purposes, review your Social Security Statement to look for suspicious activity.
Get in the habit of regularly checking your online bank and credit card accounts for suspicious activity. You should also keep track of your credit report, driving records and
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