How to Safeguard Your Social Security Number from Identity Theft

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Protecting Your Social Security Number: Essential Steps

Your nine-digit Social Security number (SSN) is crucial for securing a job, applying for credit, and opening a bank account. Unfortunately, it can also be a target for identity thieves. To avoid an SSN nightmare, follow these steps to keep your Social Security number safe.

1. Lock Your Social Security Number

If your SSN has been compromised, you can lock it to prevent unauthorized access. Contact the Social Security Administration at 800-772-1213 to block electronic access to your SSN. You can also use the Department of Homeland Security’s myE-Verify website to activate the Self Lock feature, preventing employment fraud.

2. Don’t Carry Your Social Security Card

Avoid carrying your Social Security card to prevent it from being lost or stolen. Store it securely with other important documents like passports and birth certificates, preferably in a locked box.

3. Don’t Share Your SSN With Unsolicited Callers

Never share your SSN over the phone unless you are certain of the caller’s identity. The Social Security Administration typically notifies you by mail if there is an issue with your SSN. If you receive an unsolicited call, it could be a scam. Report such calls to the Office of the Inspector General.

4. Shred Documents That Include Your SSN

Shred any documents that display your SSN, such as tax returns, pay stubs, loan statements, and medical bills. Use a micro-cut shredder for better security.

5. Don’t Use Your SSN When Possible

Whenever possible, avoid using your SSN as a general form of ID. Substitute it with your passport or driver’s license number. Some government agencies may still require your SSN, but always ask if another form of ID is acceptable.

6. Don’t Send Your SSN by Email or Text Message

It’s unsafe to email or text your SSN. Use secure alternatives like password-protected and encrypted file-sharing services, secure online portals, in-person delivery, or certified mail.

7. Don’t Enter Your SSN on an Unprotected Network or Website

Ensure you are using a secure network or website before entering your SSN. Look for URLs starting with “https” and a lock icon. Install and update security software and consider using a virtual private network (VPN).

8. Create a Social Security Account

Set up a free online Social Security account to monitor your benefits without writing down your SSN. This account allows you to receive notices, check benefit estimates, request a new card, and more.

Steps to Take if Your Social Security Number Has Been Stolen

1. Report Identity Theft

File an identity theft report with local police and the Federal Trade Commission (FTC) if your SSN has been used fraudulently.

2. Request a Fraud Alert

Place a fraud alert on your credit report to direct businesses to verify your identity before issuing new credit in your name.

3. Freeze Your Credit

Request a credit freeze to restrict access to your credit report, preventing crooks from opening accounts in your name. You can lift the freeze temporarily or permanently when needed.

4. Contact Affected Companies

Notify companies where your SSN was used fraudulently to close any fake accounts.

5. Contact Government Agencies

Inform government agencies like the IRS and Social Security Administration if your SSN was used to file a phony tax return or apply for benefits fraudulently.

How to Avoid Social Security Scams

Be aware of Social Security scams, especially those targeting older adults. Fraudsters may pose as government employees to steal your SSN. If you receive a suspicious call, hang up and contact the Social Security Administration’s Office of the Inspector General.

What Happens if Someone Gets My Social Security Number?

A scammer with your SSN can open credit cards, obtain loans, get a fake driver’s license, set up bank accounts, steal government benefits, file phony tax returns, and more.

How to Safely Store Your Social Security Number

Keep your Social Security card in a safe place, memorize your SSN, use an encrypted digital storage system, set up strong online passwords, and consider using a VPN to protect your information.

The Bottom Line

Protecting your Social Security number is crucial to prevent identity theft and fraud. By following these steps, you can significantly improve your privacy and security.

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