How to Safeguard Your Social Security Number from Identity Thieves?

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Your Social Security number (SSN) is more than just a nine-digit identifier—it’s a key to accessing jobs, opening bank accounts, and applying for credit. But this critical number is also a prime target for identity thieves and scammers. By understanding the risks and taking precautions, you can keep your SSN secure and avoid costly fraud or identity theft.

Here’s an easy-to-follow guide with practical steps to safeguard your Social Security number.

1. Lock Your Social Security Number

If you suspect your SSN has been compromised, locking it can prevent unauthorized access.

• How to Lock Your SSN:
  • Call the Social Security Administration (SSA) at 800-772-1213 to request a block on electronic access to your file.
  • Alternatively, use the Department of Homeland Security’s myE-Verify website to activate the “Self Lock” feature.
• What It Does:
  • Blocks automated telephone and electronic access to your records.
  • Helps prevent employment fraud by stopping unauthorized use of your SSN.
• Important Note: Locking your SSN doesn’t stop credit applications. To protect against fraudulent credit activity, consider freezing your credit report with major credit bureaus.

2. Avoid Carrying Your Social Security Card

Carrying your Social Security card in your wallet increases the risk of it being lost or stolen.

• Keep your card at home in a safe, locked location, alongside other important documents like passports and birth certificates.
• Only take your card with you if necessary, such as when starting a new job.

3. Be Cautious with Unsolicited Calls

Fraudsters often impersonate government agencies to steal SSNs over the phone.

• Tips to Stay Safe:
  • The SSA rarely calls unless you’ve requested it or are updating your record.
  • Never share your SSN over the phone unless you’re certain of the caller’s identity.
  • Report suspicious calls to the SSA’s Office of the Inspector General.

4. Shred Documents with Your SSN

Don’t toss documents containing your SSN into the trash—shred them instead.

• Examples of documents to shred include tax returns, pay stubs, loan applications, and medical bills.
• Use a micro-cut shredder for the best protection.

5. Limit Using Your SSN as an Identifier

Social Security numbers are commonly used for identification, but you can often use alternative IDs.

• When Possible:
  • Use a driver’s license, passport, or another form of ID.
  • Ask businesses if they can use a different identifier instead of your SSN.
• Exceptions: Government agencies, like the IRS or DMV, may require your SSN.

6. Avoid Sending Your SSN Digitally

Never email or text your SSN—it could be intercepted by hackers.

• Safer Options:
  • Use encrypted file-sharing services or secure online portals.
  • Share your SSN in person or via certified mail when needed.

7. Use Secure Networks for Online SSN Input

Entering your SSN on an unprotected network or website can expose it to cyber criminals.

• How to Check Security:
  • Ensure websites start with “https” and display a padlock icon.
  • Use a Virtual Private Network (VPN) to encrypt your internet activity.
• Regularly update your security software to stay protected.

8. Set Up a Social Security Account Online

Create a free account at the SSA’s website to keep track of your benefits and monitor your SSN.

• Benefits include:
  • Viewing estimated future benefits.
  • Receiving updates and notices online.
  • Replacing lost or stolen Social Security cards.

Steps to Take if Your SSN Is Stolen

If you discover that your SSN has been misused, act quickly to minimize the damage.

1. Report Identity Theft

• File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov.
• Notify local law enforcement if the theft leads to fraudulent activities like filing fake tax returns or applying for credit.

2. Place a Fraud Alert

• Request a fraud alert with one of the three major credit bureaus: Experian, TransUnion, or Equifax.
• The alert informs creditors to verify your identity before approving credit applications.

3. Freeze Your Credit

• A credit freeze prevents new accounts from being opened in your name.
• You can temporarily lift the freeze for legitimate credit applications.

4. Notify Affected Companies

• Contact any businesses where your SSN has been used fraudulently. Request account closures and additional security measures.

5. Reach Out to Government Agencies

• Inform the IRS if your SSN has been used for tax fraud.
• Notify the SSA of any unauthorized applications for benefits.

Common Social Security Scams

Scammers often pose as government employees, threatening victims with dire consequences unless they share their SSNs.

• Key Scam Tactics:
  • Claims of issues with your SSN or benefits.
  • Fake emails or documents using official logos.
• If in doubt, hang up and report the call to the SSA’s fraud hotline.

The Bottom Line

Protecting your Social Security number is critical for preventing identity theft and fraud. By following these steps, you can keep your SSN secure and avoid headaches in the future. Remember, staying vigilant and proactive is your best defense against identity thieves.

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