What Happens If Your Ssn Is Compromised

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What Happens If Your Ssn Is Compromised – 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 for identity thieves. It is a key part of your identity and is also linked to tax and credit information. Except in limited circumstances, it cannot be changed. That’s why you don’t have to worry about your card being lost or stolen.

What Happens If Your Ssn Is Compromised

What Happens If Your Ssn Is Compromised

1. Consider placing a fraud alert or blocking or locking your credit reports. With an initial fraud alert, potential lenders and borrowers 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 can be renewed. Scam alerts are free. To request a fraud alert, contact one of the three national credit bureaus — , Experian or TransUnion — and those bureaus will notify the other two.

What Should You Do If Your Social Security Number Is Compromised?

With certain exceptions, a security freeze prevents access to your credit reports to open new credit accounts. Security freezes are federally regulated, and the freeze must be temporarily lifted or permanently lifted each time you apply for a new loan. Setting, lifting and removing a security freeze is free, but security freezes must be filed separately with the three credit bureaus nationwide. At , you can create My Account to freeze protection. Visit our Security Freeze page to learn about other ways you can freeze your credit report.

Options to lock your credit report are also available at three credit bureaus nationwide. Learn more about fraud alerts, security freezes and credit report locks.

2. Request a replacement card from the Social Security Administration. The Social Security Administration allows for free replacement cards; You are limited to three per year or 10 over your lifetime (not counting name changes and other exceptions). You can create a My Social Security account to request a replacement card:

Please note: You cannot create my social security account online if you have a fraud alert or security freeze on your credit reports.

Protect Yourself Against Social Security Identity Theft

If you are not in a participating state and cannot request a replacement card online, you will need to apply at your local Social Security office. You will need to provide documents proving your identity and age. Find out what documents are required here. Print the application and fill it out, then take the application and documents to the Social Security office. Your new card will be sent directly to you.

3. Check your credit reports. In the future, monitor your credit reports to avoid opening new unauthorized accounts in your name or changing existing accounts without your permission. You may also want to keep an eye out for any address changes you haven’t made or inquiries from lenders and lenders you haven’t applied for. You are entitled to a free copy of your credit report every 12 months from every credit bureau nationwide by visiting www.annualcreditreport.com. You can create a My Account to get six free credit reports every year. Additionally, you can click “Get My Free Credit Score” on My Dashboard to enroll in Core Credit™ for a free monthly credit report and a free monthly VantageScore® 3.0 data-based credit score. VantageScore is one of many credit scores.

First Fraud Alert allows you to request an additional free copy of your credit report from three credit bureaus nationwide.

What Happens If Your Ssn Is Compromised

1. File a police report or identity theft report with the Federal Trade Commission (FTC). This will help if someone uses your Social Security number to commit fraud, as it provides a legal record of the theft.

What Happens If Someone Steals My Social Security Benefits?

2. If you believe your identity has already been used, you can also call the Social Security Fraud Hotline at (800) 269-0271.

3. Call the Internal Revenue Service at (800) 908-4490 to report the theft and prevent a tax return from being filed in your name.

4. Consider placing an extended fraud alert on your credit reports. An extended fraud alert requires a police or FTC identity theft report. It lasts for 7 years and requires lenders or lenders to verify your identity (in person or by phone from a number you provide) before opening new accounts or changing existing accounts.

You are entitled to two additional copies of your credit report from three credit bureaus nationwide within the first year after posting an Extended Fraud Alert. Your name is removed from pre-verified credit card or insurance offers for 5 years.

Theft Of Social Security Numbers Is Broader Than You Might Think

5. If you see information on your credit report that you believe is incorrect or incomplete, notify the lender or creditor. You can file a dispute with the credit bureau that reports the information. To dispute information on your credit report, you can create a My Account. Visit our Disputes page to find other ways you can file a dispute.

Know where you stand with access to your credit report for 3 bureaus for $19.95 per month. Sign up for plete If you clicked here to confirm you have nothing to worry about, sorry – there’s a lot to worry about. This is the part of the film when the doctor takes off her mask and gloves and delivers the terrible news with a defeated sigh: something has gone terribly wrong – and we might all be the patient she’s talking about.

You should have already done what I’m about to tell you because your social security number has been compromised.

What Happens If Your Ssn Is Compromised

But first, about those breaches… More than 21 million Social Security numbers were exposed by the Office of Personnel Management (actually the US government’s Department of Human Resources) compromise alone. Add Anthem, Premier and Excellus, and the number at risk is more than 120 million, and that doesn’t include the number of smaller, documented SSN-related breaches that have occurred over the past five years or so.

What Is Social Security Fraud?

But like I said, it’s not just violations. Think of all the places where you have your Social Security number that doesn’t have the added protection of a government agency (even though that government protection is pretty pathetic in most cases). We’re talking family doctors, schools, colleges, travel agencies, lawyers, accountants (we both know the list is infinitely long) and the measures taken to keep your SSN from being stolen are often minimal or non-existent.

When you hit the ID theft lottery, the evening news won’t be knocking on your door asking if you’re going to Disneyland or not. You will be miserable. The best time to act is before identity crime hits you.

Here are some tips to better protect and monitor your credit or avoid damage if you discover a problem.

You are entitled to a free copy of your credit report from each credit reporting agency at AnnualCreditReport.com. (You can view a free summary of your credit report, which is updated every 14 days, at Credit.com.) Review it carefully for any inaccurate, incomplete, or unknown information. If you see something that doesn’t seem right, contact the fraud department of one of the three major credit reporting agencies (Equifax, TransUnion, or Experian) and ask them to add a fraud alert to your credit file. Unless frozen with a password or PIN – you may want to consider freezing your credit to ensure that no one (including you) can access and use your credit. Please note, you only need to contact one bureau for a fraud alert, but you will need to contact each bureau to set up a credit freeze.

Oops. I Gave My Social Security Number To A Stranger

Contact your insurance agent, financial services agent, or your employer’s human resources department to see if they have a program that gives you access to an identity theft service provider. Many organizations have such arrangements, and many offer freebies to clients, employees and members as a benefit of your relationship.

If this service is not available to you, you may consider signing up for a paid credit and identity tracking program. All three reporting agencies offer them as well as a number of independent resellers.

Look for any suspicious activity – especially more income than you actually earned. If you find any discrepancies, contact the Social Security Administration immediately.

What Happens If Your Ssn Is Compromised

Make sure you recognize all the deals listed. Pay special attention to small transactions. If you prefer a more relaxed approach that’s actually more effective, sign up for transaction tracking alerts from your financial services institutions that can notify you of any suspicious activity on your bank, credit union or credit card accounts.

Mobile Phone Data Hacked: How To Protect Yourself

Look for red flags, such as exams, treatments, or procedures you never had. If you suspect you have been a victim of medical identity theft, if your insurance – contact your doctor as well as your health insurer immediately.

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