What Happens If Your Ssn Is Stolen – If your Social Security number has been stolen, report the identity theft to the Federal Trade Commission and the police, freeze your credit report, and contact companies you suspect have fraudulently obtained your SSN.
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What Happens If Your Ssn Is Stolen
If your Social Security Number (SSN) has been stolen, you need to act quickly to minimize the damage that fraudsters can do. It is important to report the theft to the authorities and protect your credit and personal information. Then you’ll want to take extra steps to continue protecting your identity.
What To Do If Your Social Security Card Is Stolen?
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, cyber attacks are becoming more common, putting Social Security numbers and other personal information at greater risk of theft and misuse. Here are the steps to follow if your SSN and related information has been compromised.
Your first action should be to report identity theft to the Federal Trade Commission (FTC) and file a police report. When you visit the Social Security Administration website, you will be directed to the Federal Trade Commission’s IdentityTheft.gov website, where you can report one or more of the following types of fraud involving your SSN:
You will then receive information about next steps, which may include filling out additional forms and obtaining a recovery plan. For tax-related identity theft, which usually 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. Although your city or county may not be able to investigate this crime immediately (or at all), the police report can serve as a document in your efforts to find the identity and solve the problem.
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A credit freeze restricts access to your credit report and prevents fraudsters from opening new accounts, renting apartments or applying for credit in your name. A credit freeze will not affect your credit score, and you can unfreeze and refreeze your credit report at any time.
You will need to freeze and unfreeze your credit separately with all three credit bureaus (TransUnion and Equifax).
If you believe your Social Security number has been stolen, but you have no evidence 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 in your name.
Placing a fraud alert on one credit bureau extends the alert to all three. It does not affect your credit score.
What To Do If You Lose Your Social Security Card
In the event that your information has been used to create fraudulent accounts, you will want to 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 are a victim of identity theft. They can then close your accounts so that the identity thief can no longer use the accounts.
If someone has used your information to create false identification records, you will need to contact all the authorities involved, possibly including the IRS, the Social Security Administration, and your secretary of state’s office that handles false identification cases.
In the future, monitoring and constant protection will be the name of the game. For example, to see if someone is using your Social Security number for employment purposes, review your Social Security statement for suspicious activity.
Make it a habit to regularly check your bank and credit card accounts for suspicious activity. You should also keep an eye on your credit report, driver’s license and insurance records.
What To Do If Your Identity Is Stolen: 10 Steps
Learning that you have been a victim of identity theft can be both upsetting and frustrating. Identity thieves are getting smarter every day, and the likelihood that your personal information will be exposed continues to grow. The good news is that there are many tools available to help you reduce your risk of identity theft and protect your Social Security number and other personal information.
Credit monitoring can help you spot potential identity fraud earlier and prevent surprises when you apply for a loan. Receive daily notifications when updates are discovered.
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Police: Scammers Say Your Social Security Number Was Stolen, In Order To Steal Your Social Security Number
Your Social Security number is valuable information for identity thieves. This is a key element of your identity and is also linked to tax and credit information. And except in limited circumstances, it cannot be changed. This is why the loss or theft of your card is a cause for concern.
1. Consider setting up a fraud alert or freezing or blocking 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.
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