What To Do When Someone Steals Your Social Security Number – Your social security number is valuable to thieves because it is tied to your personal information. Learn what to do and how to protect your personal information if your Social Security card is stolen or lost. [Duration – 1:48]
Your Social Security number is valuable information for identity thieves. This is an important element of your identity and is linked to tax and credit information. And it cannot be changed except in limited circumstances. That’s why losing or getting your card stolen can be very worrying.
What To Do When Someone Steals Your Social Security Number
1. Consider placing or locking fraud or privacy notices on your credit reports. According to First Fraud Alert, potential lenders and creditors are encouraged to take additional steps to verify your identity, such as contacting you by phone before making a new loan. Fraud alerts are valid for one year and are renewable. Fraud Alerts are free. If you contact Experian or TransUnion, one of the three credit bureaus, and request a fraud alert, the other two will be notified.
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Security restrictions prevent access to your credit report when you open a new credit account, with some exceptions. Security freezes are federally regulated and each time you apply for a new loan, the freeze must be temporarily suspended or removed. Freezing, removing, or removing a bond is free, but must be filed separately at each of the three nationwide credit bureaus. At , you can create a My Account to freeze privacy. To learn about other ways to put a security freeze on your credit report, visit our security freeze page.
The option to lock your credit report is available from three credit bureaus nationwide. Learn more about fraud alerts, security freezes, and credit report locks.
2. Request a replacement card from SGK. The Social Security Administration allows free card exchange; You are limited to three people per year or 10 for your lifetime (with name changes and other exceptions). You can create a My Social Security account to request a new card if:
Please note: You may not be able to create my Social Security account online if your credit report has a fraud or security warning.
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If you are not in a participating country and cannot apply for a new card online, you should contact your local Social Security office. You will need to prove your identity and age. Find out what documents are required here. Print and fill out the application, then take the application and documents to the Social Security Department. Your new card will be sent to you immediately.
3. Check your credit report. Monitor your credit report in the future to ensure no unauthorized new accounts are opened on your behalf or changes are made to existing accounts without your consent. You can also ask for a change of address that you didn’t make, or a reference from lenders and lenders you didn’t apply for. You are eligible to receive a free copy of your credit report every 12 months from three credit bureaus across the country by visiting www.annualcreditreport.com. You can also create My Account to get six free credit reports each year. Additionally, you can sign up for Core Credit™ by clicking Get My Free Credit Score on my dashboard to receive a free monthly credit report and a free monthly VantageScore® 3.0 credit score based on data. VantageScore is one of many credit scores.
First Fraud Alert allows you to request additional free copies of your credit report from three credit bureaus nationwide.
1. Submit a police report or Federal Trade Commission (FTC) identity theft report. This will be helpful if someone uses your Social Security number to commit fraud, as it will provide a legal record of the theft.
What Can Someone Do With Your Social Security Number?
2. If you believe that your personal information has been used, you can call (800) 269-0271 Social Security Fraud Hotline.
3. Call the Internal Revenue Service at (800) 908-4490 to report fraud and help prevent someone from filing tax returns on your behalf.
4. Consider placing extended fraud alerts on your credit reports. Advanced Fraud Alerts require a police or FTC identity theft report. It is valid for 7 years and requires the lender or lender to verify your identity (in person or by phone at the number you provided) before opening a new account or making changes to an existing account.
An extended fraud alert entitles you to receive two copies of your credit report from three credit bureaus nationwide within one year of the fraud alert. Your name has been removed from pre-screened credit card or insurance offers for 5 years.
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5. Notify the creditor or creditors if you believe the information on your credit report is incorrect or incomplete. You can also file an appeal with the credit bureau that reported the information. You can create a My Account to dispute information about your credit report. To learn more about how to file an appeal, please visit our appeals page.
For $19.95 per month, you can access your credit reports from 3 bureaus to see where you stand. If your Social Security number is stolen, report the identity theft to the Federal Trade Commission and the police, freeze your credit report, and contact companies you suspect have fake SSNs.
Until December 31, 2023, TransUnion and Equifax are providing a weekly report to all US consumers through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented challenges posed by COVID-19.
If your Social Security Number (SSN) is stolen, you must act quickly to minimize the damage caused by scammers. It is important to report the theft to the relevant authorities and protect your credit and personal information. Then you will want to take extra steps to protect your personal information.
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According to the Identity Theft Resource Center, the number of data breaches in the United States will increase 68% in 2021 compared to the previous year. In particular, cyber attacks are becoming more common and the risk of SSN and other personal information being stolen and used for fraud is increasing. Here are the steps to take if your SSN and related information is lost.
The first thing you should do is 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 FTC’s IdentityTheft.gov website, where you can report one or more of the following types of fraud involving your SSN.
You will then be briefed on the next steps, including filling out more forms and getting a recovery plan. When tax-related identity theft usually involves your SSN, you may need to file an Identity Theft Statement or Form 14039.
After reporting the theft to the FTC, report it to the police in your local jurisdiction. Your city or state may not immediately (or never) investigate this crime, but having a police report can serve as a document in your identity recovery and resolution process.
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Credit freeze limits access to your credit report and helps prevent scammers from opening new accounts, renting a house, or taking out loans on your behalf. A credit freeze does not affect your credit score, and you can unfreeze and refreeze your credit report at any time.
You will need to freeze and release your credit separately at the three credit bureaus (TransUnion and Equifax).
If you think your SSN may have been stolen, but you have no evidence of fraud, you can place a fraud alert instead of putting a lien on your credit report. Rather than restricting access to your credit report, a fraud alert requires businesses to check your credit to verify your identity before issuing a loan on your behalf.
Placing a fraud alert on a credit bureau propagates the alert to all three. It has no effect on your credit score.
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If your information is used to create a fake account, you should contact each relevant company. For example, if your SSN was used to open a bank account or credit account on your behalf, contact each company and explain that you were the victim of identity theft. They can then close your account so that the thief can no longer use the account.
If someone uses your information to create a false identity record, you should contact all relevant agencies, including the IRS, the Social Security Administration, and your secretary of state who deals with false identity cases.
The next name of the game will be control and constant protection. For example, check your Social Security statement for suspicious activity to see if someone is using your Social Security number for employment purposes.
Make it a habit to regularly check your online bank and credit card accounts for suspicious activity. Also your credit report, driving record and
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