Don’t Let an ID Thief Get Your Number
Your social security number is important, but in the wrong hands it can ruin your credit–and your identity.
You’ve had your social security number from birth (or since becoming a citizen of the United States). It has allowed you to obtain a driver’s license, open a bank account and obtain credit cards.
Unfortunately, it can allow an identity thief to do the same things…using your name and other personal information, all easily obtainable with those nine little numbers.
Social security theft is considered one of the most lucrative businesses by today’s savvy ID criminals. Your social security number is a gateway to your life and livelihood. Most ID thieves use social security numbers to obtain credit, then quickly spend to the limit. It can be hard to catch a criminal who operates this way, since by the time you’re alerted to suspicious activity, the thief may already be off and running to the next victim.
How it Happens
It can be easier than you think for a criminal to get hold of your social security information. The most obvious way criminals achieve this, of course, is by stealing your wallet. You may have been told at some point that it’s best to have your Social Security card with you (in a purse or wallet) at all times. But from a safety standpoint, this is the worst thing you can do. Leaving your wallet on a store counter for seconds, or being “accidentally” bumped into on a crowded street, can result in your pocket being picked.
Experts advise that you keep your social security card at home in a fireproof safe. If you’re going on an errand where you know your card will be required (for example, obtaining your first driver’s license), take your SSN card with you, but be sure to store it safely away again once you get home.
A Numbers Game
A thief doesn’t need to get his hands on your card in order to get your social security number, however. And the more you pass your number back and forth–even if for legitimate purposes–the more chances it will be intercepted somewhere along the way. Be stingy with your number; if anyone requests it, even an institution you already deal with, ask why. Some states use social security numbers, or parts of them, as driver’s license numbers; if this is the case for you, request a change of number. Put your number out there as infrequently as possible.
Never leave paperwork with your number on it in your car; for example, tax papers you plan on filing or mailing, or an application for a new doctor’s office. A thief won’t hesitate to break in and steal the information.
Phony Phone Calls/Internet “Phishing”
Another way ID thieves steal social security numbers is by posing as a reputable establishment, such as a bank or credit card company, and calling or e-mailing you with an “urgent” request to “update” your information. (In the case of an e-mail, this is known as “phishing“.) Never give your SS number out over the phone or via e-mail…no matter what.
If you do receive an e-mail that fits this description, be sure never to open any attachments within the e-mail; this can lead to your online activities being tracked via an installed virus. Instead, call the establishment (if you’ve received a phone call, insist on calling the bank back, then see what they have to say).
If You Suspect Social Security Number Theft
If you misplace your wallet or believe it has been stolen and your social security card was inside, contact the social security office immediately. You’ll want the proper authorities tracking any new credit card requests or other activity right away.
Even if you have no reason to suspect social security number theft, keep close track of transactions on your bank accounts and credit cards. If any suspicious activity appears, call the establishment immediately.
Remember that prevention is always easier than cleaning up the mess afterward. Your Social Security number truly is the gateway to your identification. Don’t be a victim–take steps now to protect your identity and your accounts.
