When an identity thief has a victim's Social Security number, he or she has a passport to commit Social Security fraud, identity theft, and many other crimes. This is one of the many reasons why people should never carry their Social Security cards in their wallets or purses. From the time of issuance when we're children, Social Security cards should be stored in a safe location at home, away from credit cards, drivers' licenses, and other personal information.
If you suspect that a criminal has your Social Security number , the Social Security Administration can help point you in the right direction, but it can't fix your credit.
You're the only one who can do that. To that end, here are some things to do if someone is using your Social Security number to commit identity theft and Social Security fraud:. Stay cool and focused. While identity theft is stressful, you're the only person who can help with this problem, and you can't solve it in a week or a month. It will take time.
Stay as calm and focused as possible, and methodically address the problem. Contact the credit reporting agencies. Contact TransUnion, Equifax, or Experian to place a fraud alert on your credit report. Each agency is required to alert the other two when you place an alert.
The alert will prevent a thief from opening any new accounts in your name.
5 Kinds of ID Theft Using a Social Security Number
Get a copy of your credit report. The law requires each credit agency to provide you with a free copy of your credit report when you place a fraud alert. Examine each report carefully, and look for accounts in your name that you did not open.
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Contact each creditor. Make a list of the creditors, and contact them by phone and again by mail. Write down the names of the people with whom you speak at each creditor and when. Fed cuts interest rates for third time this year. Here's a first look at the new HBO Max.
Identity thieves stealing children's IDs to file fake tax returns, more
This coal CEO supported Trump. Now his company is bankrupt. Deal to end GM strike leaves Ohio plant behind.
Popeyes' fried chicken sandwich is coming back. Debt and deficit aren't the same thing. Here's the difference. He wants to bring a billion people to digital payments. Zuckerberg struggles to explain whether Facebook fact checks political ads. Capital One COF is the latest company subject to a major breach , in which a hacker gained access to more than million customers' accounts and credit card applications, including , Social Security numbers. Bad actors can use Social Security numbers to steal your identity, open bank accounts, apply for a loan or receive medical care under your name.
Many of the biggest hacks in recent years, including those targeting Equifax , insurance company Anthem and the US Postal Service , have left Social Security numbers exposed.
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The Capital One hack. Because these numbers are so closely tied to our identities, it raises the question: Why are we still using Social Security numbers as ID? In , the Social Security number was introduced to track a worker's earnings history for benefits, according to the Social Security Administration. Until , the bottom of the card said: "For Social Security purposes -- not for identification. Social Security numbers have since become one of the only unique, irreplaceable pieces of information that can identify individuals.
What to Do When Someone Is Using Your Social Security Number | pranicak.tk
Addresses change," said Bob Rudis, chief data scientist at cloud and security firm Rapid7. Some smaller countries are opting for digital identifiers. Estonia has a unique digit ID number from the government, along with a physical identification card and pin codes for added security, starting at age The so-called "eID" can be used for electronic identification and securely transferring data.
It also allows Estonian citizens to do tasks such as file taxes and fill prescriptions online. Taking Social Security numbers public could fix our data breach crisis.
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