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Identity Theft Can Victimize The Dead
Identity thieves can strike even after death. An identity thiefs use of a deceased persons Social Security number may create problems for family members. This type of identity theft also victimizes merchants, banks, and other businesses that provide goods and services to the thief.
What happens to your Social Security number after you die? The Social Security Administration maintains a national file of reported deaths for the purpose of paying appropriate benefits. The file contains the following information: Social Security number, name, date of birth, date of death, state of last known residence, and zip code of last lump sum payment.
The SSA generally receives reports of death from a family member or a funeral home. Sometimes delays in reporting can provide time for identity thieves to collect enough personal information to open credit accounts or take other fraudulent actions using the deceaseds information. To prevent this from happening, a surviving spouse or other authorized individual, such as an executor, can notify the credit bureaus. This will ensure that the deceaseds files are flagged with a deceased notation.
Signs of possible identity theft include calls from a creditor or collection agency on an account opened or used in the deceaseds name after death. If you discover such signs, contact the affected creditor or collection agency in writing, explaining that the account was opened or used fraudulently. See sample letter attached.
What Is A Personal Identification Breach
Whenever we find on the Internet a combination of some of your personally identifiable information, together with a record that matches one of your identification documents, it is considered a breach of your personal information. We recommend scanning your records to see if you already had any associated data breaches or exposures.
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Ask Questions When They Ask For Your Social Security Number
There is no law that prevents businesses from asking for your SSN. And you may be denied service if you don’t give the number. If giving your SSN to a business doesn’t seem reasonable to you, ask if you can show another form of identification. Or ask if the business can use another number as your customer number.
Remember that some government agencies can require your SSN. These agencies include DMV, welfare offices, and tax agencies. Look for the required “disclosure” form. The form should state if giving the number is required or optional, how it will be used, and the agency’s legal authority to ask for it.1
Service Changes Due To Covid
We urge you not to visit Service Canada Centres unless absolutely necessary.
Ask us to help you with the following programs by using eServiceCanada:
- Employment Insurance
- Canada Pension Plan , Old Age Security , Guaranteed Income Supplement benefits
- Social Insurance Numbers
- immediate request for a Passport Service
- Veterans Affairs Canada Services
- Find information on how to protect your SIN
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How Do I Get Credit
Do you want to build your credit history? You will need to pay bills that are included in a credit report.
- Sometimes, utility companies put information into a credit report. Do you have utility bills in your name? That can help build credit.
- Many credit cards put information into credit reports.
- Sometimes, you can get a store credit card that can help build credit.
- A secured credit card also can help you build your credit.
Why Should I Get My Credit Report
An important reason to get your credit report is to find problems or mistakes and fix them:
- You might find somebodys information in your report by mistake.
- You might find information about you from a long time ago.
- You might find accounts that are not yours. That might mean someone stole your identity.
You want to know what is in your report. The information in your report will help decide whether you get a loan, a credit card, a job or insurance.
If the information is wrong, you can try to fix it. If the information is right but not so good you can try to improve your credit history.
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What Is A Social Security Number
A Social Security number is required in order to get a job, collect SSN benefits and other forms of identity verification such as drivers licencse, health insurance, credit, mortgages, taxes and bank accounts. However, you don’t need to show your Social Security card memorizing the number in most cases is enough. You should keep your card in a safe place and do not carry on yourself.
What Can I Do With An Ssn Validation
An SSN Validation is useful for determining if a particular SSN is likely to have been issued by the Social Security Administration. The structure of social security numbers was normal and predictable until 2011. States were given a number range to work and the year of issue fills in another part of the SSN. The year of issue is usually the year of birth, so a social security validation might also help to verify someones age.
If you cant remember your own social security number , an SSN verification tool may be able to help. Similarly, if you have a few social security numbers written down for different family members such as parents or grandparents and youre not sure which one is which, the issuance year given from a social security validation can help.
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Identity theft protection is critical to your peace of mind
These days, identity theft protection strategies and tools are important ways to help protect your Social Security number and other personal information. A stolen identity can cost you money and time as you may have to hire professionals and work with credit bureaus to clear your good name. Identity thieves can use your information to open fraudulent credit card accounts that can show up on your credit report and hurt your credit score. By just monitoring your credit, you could miss certain identity threats. We see more, like if your personal information is sold on the dark web. And if you are a victim, our ID protection helps with identity restoration and even lost wallet coverage.
*Important Subscription, Pricing and Offer Details
No one can prevent all cybercrime or prevent all identity theft.
The LifeLock Brand is part of NortonLifeLock Inc. LifeLock identity theft protection is not available in all countries.
What Is A Credit History
Sometimes, people talk about your credit. What they mean is your credit history. Your credit history describes how you use money:
- How many credit cards do you have?
- How many loans do you have?
- Do you pay your bills on time?
If you have a credit card or a loan from a bank, you have a credit history. Companies collect information about your loans and credit cards.
Companies also collect information about how you pay your bills. They put this information in one place: your credit report.
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If An Organization Asks For A Sin And It Is Not Legally Required
If you believe your SIN isn’t required, ask why it is being requested, how it will be used and with whom it will be shared.
If your SIN is not required by law, explain that you prefer not to provide it. Offer different proof of identity.
If the organization refuses to provide the product or service unless you provide your SIN, ask to speak to the person in charge. Many organizations don’t know about the appropriate uses of the SIN. Once they understand, they may willingly change their practices.
If you are not satisfied with the organization’s response, you may formally complain to the Office of the Privacy Commissioner of Canada or 1-800-282-1376. There is no fee for making a complaint to the Privacy Commissioner.
You can also contact the organization’s industry association, ombudsman or complaint office. For example, the Canadian Marketing Association and the Canadian Banking Ombudsman handle customer complaints about their member companies.
For more information on laws about your privacy and the Government of Canada, visit the Office of the Privacy Commissioner of Canada.
What Goes Into A Credit Score
Each company has its own way to calculate your credit score. They look at:
- how many loans and credit cards you have
- how much money you owe
- how long you have had credit
- how much new credit you have
They look at the information in your credit report and give it a number. That is your credit score.
It is very important to know what is in your credit report. If your report is good, your score will be good. You can decide if it is worth paying money to see what number someone gives your credit history.
The report will tell you how to improve your credit history. Only you can improve your credit history. It will take time. But if any of the information in your report is wrong, you can ask to have it fixed.
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Contacting The Ssa By Telephone
Where Do I Get My Free Credit Report
You can get your free credit report from Annual Credit Report. That is the only free place to get your report. You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228.
You get one free report from each credit reporting company every year. That means you get three reports each year.
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How To Get Ssn For An Adopted Child
If the child being adopted is already a citizen of the United States, then there is a chance they already have a Social Security Number and Card. However, if you are adopting a child domestically and if he/she does not have one, you would need to obtain an Adoption Taxpayer Identification Number to claim the related benefits while the process of adoption is pending. You would need to complete an IRS Form W-7A for adoptions that are pending in the United States. The ATIN is valid for two years and can be extended if the adoption is not through yet. Once the adoption is through, you can get a Social Security Number for your child by following the above procedure. You would need to complete the form and submit it to your local Social Security Administrative Office.
If you are adopting a child from a different country, then you will have to wait until the adoption is final and the child has entered into the United States to obtain a Social Security Number. You can then complete the form and submit it with the required documents to your local Social Security Administrative office. You can only make an application once all the formalities have been completed and the child has entered the United States of America.
How Do I Check To See If Someone Is Using My Social Security Number
Identity theft is one of the fastest growing crimes in the country, and nearly one third of all adults in the United States have experienced some form of identity fraud. Safeguarding your Social Security number is one of the best ways to keep your identity safe. When a thief gets access to your SSN, they can open new bank accounts, drain existing finances, file fraudulent tax returns, and take many other nefarious actions. So, how do you know if someone is using your Social Security number before it is too late? There are some steps you can take to stay alert and make sure that no one is using your Social Security number.
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How To Know If Someone Is Using Your Childs Personal Information
In addition to taking steps to safeguard your childs personal information, keep an eye out for warning signs that someone is using your childs personal information. Here are a few:
- Youre denied government benefits because someone is already using your childs Social Security number to get those benefits.
- Someone calls you and says your child has an overdue bill, but its not an account you opened for the child.
- You get a letter from the IRS that says your child didnt pay income taxes. This could happen if someone used your childs Social Security number on tax forms for a new job.
- Youre denied a student loan because your child has bad credit. This could happen if someone used your childs Social Security number to get a credit card, open a cell phone account, or set up a utility service and has not paid the bills on time or at all.
Signs of Child Identity Theft
- Turned down for government benefits
- Letter from the IRS about taxes your child owes
- Childs student loan application is denied
Tip : Memorize Your Social Security Number
Knowing your Social Security number by heart can be handy. Its there when you need it. Plus, you probably wont be tempted to carry your Social Security card with you or to jot down the number on a slip of paper.
This might seem like a small thing. But if youre not carrying your card with you, or youre not writing it down on slips of paper, youre far less likely to drop that paper or card on the ground or leave it behind at a local bank or government office. This means its less likely, too, that thieves might get their hands on your number.
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Social Security Fraud Misuse Or Impersonation
|The Social Security Administration investigates reports like these:|
|Or call 1-800-269-0271.|
Your Social Security Card
Whether youve lost your social security card or someone an acquaintance used the number, this is another common way that someone has obtained this information. Keeping your social security card safe, not keeping it in your wallet, and making sure that no one can get to it is another way to protect your identity.
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Measures You Can Take To Prevent Identity Theft
- Do not routinely carry your SSN.
- Never say your SSN aloud in public.
- Beware of phishing scams to trick you into revealing personal information.
- Create a personal account to help you keep track of your records and identify any suspicious activity.
- Consider adding these blocks to your account with us:
- The eServices block It prevents anyone, including you, from seeing or changing your personal information on the internet. Once we add the block, you or your representative will need to contact your local office to request removal of the block.
- The Direct Deposit Fraud Prevention block This prevents anyone, including you, from enrolling in direct deposit or changing your address or direct deposit information through or a financial institution . Once we add the block, you or your representative will need to contact your local office to request removal of the block or make any future changes to direct deposit or contact information.