What Can Someone Do with Your Social Security Number?



Id theft is on the rise, with 1.4 million fraud reviews filed in 2021. In case your identification is stolen, you possibly can undergo long-term harm to your credit score rating along with shedding substantial funds.

How does all of it begin? Together with your private info being stolen. It might be a checking account, username and password, or bank card quantity. However whereas all of these are unhealthy, they usually aren’t as devastating as a stolen Social Safety quantity. Utilizing these 9 numbers, a felony can apply for loans, commit fraud, and rather more.

Listed here are some issues it is advisable to find out about having your Social Safety quantity stolen.

How Social Safety Numbers Are Stolen

In case you have been born in america, you have been doubtless issued a Social Safety quantity at delivery. It doubtless got here into play when you landed your first job, at which level you had to supply it to your employer for tax functions.

The Social Safety Administration takes efforts to safeguard your quantity, however you’re urged to do the identical. There are a number of methods your quantity can find yourself within the incorrect arms.

Bodily Card Theft

Do you carry your Social Safety card in your pockets? The Social Safety Administration urges you to not. You may simply lose your pockets, and having your card in there places you in danger for theft.

However it’s a must to maintain that card someplace. If it’s in your house, and your home is burglarized, the bodily card may find yourself within the incorrect arms. In case your card is unintentionally thrown within the trash, it may additionally make its option to somebody with felony intentions.

Paperwork Theft

Sometimes, you’re requested to supply your Social Safety quantity. It could be on employment paperwork or medical data. In case you apply to lease an residence or request a financial institution mortgage, chances are high your Social Safety quantity will probably be essential for the credit score verify. Lastly, there are the non-public paperwork you preserve with the quantity on it.

If any of that paperwork results in the incorrect arms, your quantity might be used for committing fraud. You might not even notice this personally identifiable info has been compromised till it’s too late.

Knowledge Breaches That Expose Delicate Info

Even when your private info by no means makes it to print, an identification thief can nonetheless seize it. How? Accounts are hacked on daily basis. Actually, there have been 1,802 information breaches in 2022. By way of such a fraud, these nine-digit identifiers are sometimes collected and later bought on the darkish net.

In case you’ve ever entered your Social Safety quantity into a web based type, it might be on a server someplace, weak to theft. However even in the event you’ve stored it offline, varieties you stuffed out whereas making use of for presidency advantages or signing utility service agreements may have been entered right into a database, placing your quantity in danger.

Phishing and Cellphone Calls

“There are issues together with your account. Click on right here to resolve them.”

Usually, such a message is a rip-off. The purpose is to get you to click on and enter private particulars that identification thieves can then use for monetary achieve. Your Social Safety quantity is a chief goal for such scams.

When it comes by way of e-mail, it’s often called phishing. However scams additionally usually come by way of telephone calls. Any time somebody asks in your Social Safety quantity by telephone, assume twice earlier than giving it.

What can somebody do together with your Social Safety quantity?

Id theft can impression you in numerous varieties. Somebody can use the data to empty your on-line accounts, commit monetary fraud in your identify, keep away from felony duty, and extra. Listed here are a few of the methods stolen numbers are usually used.

Receive Credit score Playing cards or Loans in Your Title

Bank card fraud is available in a wide range of varieties. Usually, a sufferer has bank card info stolen, with expenses all of a sudden showing on account statements.

Nevertheless, there’s a sort of bank card fraud that may be much more devastating. With this sort, somebody applies for a brand new account in your identify. An applicant solely wants your Social Safety quantity and your identify and mailing handle to finish an utility and even be permitted.

Declare Your Tax Refund

Stolen identification refund fraud is an ongoing challenge for the Inner Income Service. A scammer can use your Social Safety quantity to file a tax return in your identify. Any tax refund is then redirected to that individual’s checking account.

Throughout tax season, it’s vital to be on alert for tax-related identification theft. Monitor for suspicious exercise, and in the event you obtain any communications from the IRS, contact them instantly.

Drain Your Current Financial institution Accounts

If somebody has sufficient different private information from you, a Social Safety quantity might be used to hack into your financial institution accounts. There’s a superb motive for that. Your Social Safety digits might be a part of two-factor authentication. Somebody may additionally use it to show they’re you to a financial institution consultant, thereby having access to your account.

Steal your Social Safety Checks

In case you’re eligible for Social Safety advantages or Supplemental Safety Revenue, scammers may use your info to divert these advantages to themselves. This sort of Social Safety theft might be robust to type out, too, which may go away you with out earnings for some time.

File for Unemployment Advantages

Stolen Social Safety numbers have grow to be an enormous drawback for unemployment businesses throughout the U.S. With private info so available on the darkish net, criminals are capable of apply for unemployment advantages in another person’s identify. This goes for different authorities applications, as nicely.

Open a Cellphone Account in Your Title

Loans and bank cards aren’t the one new accounts somebody can open in your identify. Utilizing your Social Safety quantity and different private info, somebody may apply for and land a brand new telephone quantity.

Obtain Medical Care Utilizing Your Advantages

Social Safety identifiers are used extra usually than you could notice in healthcare. You might be requested to supply that info at registration when receiving medical remedy. In case you’re on Medicare or Medicaid, your Social ties straight into your advantages. Utilizing these numbers, somebody may commit medical identification theft to get remedy.

Set Up Utilities Utilizing Your Id

The electrical, fuel, and water corporations will usually look into your credit score historical past when deciding whether or not to approve you for companies. Somebody with poor credit may use stolen Social Safety playing cards or numbers to arrange companies.

What are you able to do if somebody steals your SSN?

If fraud is being dedicated utilizing your Social Safety information, you’ll must take rapid motion. Listed here are some steps to take when you’ve decided that your Social Safety card has been compromised.

Detect It Rapidly

In relation to fraud, speedy detection might be essential. Listed here are some telltale indicators that your quantity is being utilized by somebody who isn’t you.

  • Credit score rating adjustments: A sudden, unexplained shift in your credit score rating might be an indication somebody has utilized for credit score utilizing your info. Pull your credit score report and have a look. You’re entitled to at least one free credit score report annually by way of AnnualCreditReport.com.
  • Suspicious exercise: Your credit score reviews aren’t the one option to verify for fraud. Make a behavior of monitoring your financial institution statements and contacting your financial institution in the event you see something unusual.
  • Notices of unpaid payments: An identification thief might have utilized for companies or subscriptions in your identify. In case you don’t acknowledge the business or service, examine to be sure you truly approved the acquisition.
  • IRS notices: Fraudsters usually goal taxpayers by posing because the IRS. Messages about tax returns you didn’t file or tax refunds you’ve acquired erroneously might be related to identified IRS scams.

Report Fraud

In case you’re positive your identification has been compromised, it’s vital to report it. First, collect as a lot documentation as potential to reveal that fraud has occurred. Then, attain out utilizing the next channels set as much as assist with fraud:

  • Your monetary establishment: If identification theft indirectly compromised your financial institution accounts, it’s vital to achieve out to these account suppliers and report the difficulty. Protections might be put in your accounts to stop additional harm.
  • Authorities entities: The Federal Commerce Fee and Workplace of the Inspector Common each have instruments for reporting identification theft. However you can begin at IdentityTheft.gov to get a step-by-step information for recovering after theft.
  • Police: A police report might be essential in defending you, notably in case your info could be used to commit crimes and create a felony file in your identify.

Think about a New Social Safety Quantity

In some situations, it could be essential to get a brand new SSN. You’ll want your driver’s license to kick off this course of. It may possibly complicate issues in the event you’ve arrange your employment data and tax filings underneath the outdated quantity, so that is usually a final resort.

Think about Id Theft Safety

Even in the event you take measures to stop identification theft, it could actually occur once more. Id theft safety can function insurance coverage towards future incidents. When mixed with measures to observe your credit score report and checking account, such a safety can provide peace of thoughts as you present your info when making use of for loans and altering employers.

It’s vital to maintain your private info secure, however felony identification theft can occur to anybody. So long as you shield your quantity and different private info from Social Safety theft, you may scale back your danger of falling sufferer to scams.