Contact One Of The Three Major Credit
To speak to Equifax, call its customer care number at 1-888-766-0008 or visit this web page to place a fraud alert. To start an Equifax credit freeze online, you’ll have to create an Equifax account, but you can do so without creating an account by calling 1-800-349-9960.
To contact Experian, call 1-888-397-3742 or go here for a fraud alert or here for a credit freeze. For TransUnion, the phone number is 1-800-680-7289; the fraud-alert link is here and the credit-freeze link is here.;
A credit freeze can be inconvenient, but it’s the better option. With a freeze, no potential lender can access your credit file without your approval. That can be a bother if you plan to move, open a new bank account, buy a car or switch phone carriers, but you can easily “unfreeze” your credit and then freeze it again.
Thanks to a 2018 law, credit freezes are now free to implement, but you must contact each of the Big Three credit-reporting agencies separately to set them up.;
Fraud alerts are easier to place the agency you place one with will contact the other two but they aren’t as useful. A fraud alert just requests that anyone pulling your credit file contact you first, but they don’t actually have to.
You can renew a fraud alert every year . Contact the Social Security Administration only to get a replacement card or replacement number .
Tip : Consider An Identity Theft Protection Service
As identity thieves continue to evolve their methods for obtaining personal information, protecting your Social Security number is vital to protecting your identity.
Protecting your Social Security number doesnt have to be a do-it-yourself affair. An identity theft protection service can help. For instance, it may be able to alert you if your SSN has been found on the dark web. The cost of an identity theft protection service typically ranges from $10 to $35 per month.
Some identity theft protection services include features to monitor your credit reports, alert you when new accounts are opened in your name, or when banks, credit card companies or other financial services providers check your credit.
For example, if you recently bought a car, you might receive an alert for the new loan. However, if you receive an alert that a new credit card was opened in your name, and you didnt apply for one, that might be a sign of fraud. Some identity theft protection services allow you to respond to alerts via email, phone, and text messages.
Warning Signs Of Identity Theft And What To Look For
Theres a big demand on the dark web for personal information that can be used to commit identity theft and other cybercrimes. Criminal outfits specializing in identity theft will go to great lengths to get their hands on your personal information, such as your Social Security number, bank account credentials, credit card numbers, or date of birth.
Identity theft is one of the fastest-growing crimes and affects millions of Americans every year. Protecting your personal information to avoid becoming another victim of identity theft requires education and awareness. The problem with ID theft is that it often doesnt become apparent until its too late. Thats why its important to keep an eye out for ID theft red flags.
Below youll find some common signs of identity theft and what to look for.
Structure Of An Ssn Assigned After June 25 2011
Area Numbers Randomization eliminated the geographical significance of the area number . However, randomized SSNs still prohibit the use of area numbers 000, 666 and 900999.
Group Numbers These two-digit number combinations are now entirely randomized, to include all number combinations except for 00. The significance of the highest group number for validation purposes was eliminated.
Serial Numbers As in the previous assignment process, any combination of four digits, except 0000, is potentially valid.
What To Do If Your Social Security Number Is Stolen
A Social Security number may be the single most important piece of government-issued identification that U.S. resident can have.;
It’s definitely the most valuable piece of ID that identity thieves can get their hands on, especially when the number is combined with the rightful bearer’s name and address. Even just by itself, a valid SSN can be sold to undocumented workers or to people trying to hide their true identities.
A stolen SSN lets the thief, or the person he or she sells it to, do almost everything a legitimate SSN holder can do and more.;
“You can close a credit card if it is compromised,” said Adam Dolby, senior manager of Alkami Technology. “But the problem is, you can’t close your SSN.”
If you discover your Social Security number has been stolen or otherwise misused by another person, there are several steps you’ll need to take right away.
Active Military Fraud Alert
The active duty alert is designed for members of the military who have been stationed overseas for an extended period of time. Deployed service members are can place this type of credit alert on their credit to help reduce the risk of identity theft.
To get an active duty alert on your credit report, you will need to follow the same steps as with getting an initial or extended fraud alert but ask for the active duty alert instead.
Active military fraud alerts last for 1 year until re-instated. However, this fraud alert also removes your name from prescreened credit card marketing offers for 2 years.
Consequences Of Red Flags
Most people become aware of red flags when they find that their financial institution has restricted their ability to access their accounts. For instance, you may not have received notification that your account has been red flagged, but you would quickly find out when you attempt to use your card and are unable to do so for seemingly no apparent reason.
As a rule, your bank can red flag and freeze debit cards when they suspect fraud. This often occurs when a U.S. citizen travels overseas and begins using their debit card, because overseas transactions are mostly regarded as unusual activity. Banks also might place red flags on checking accounts if signatures on checks do not match signature cards or if large transactions that do not seem to fit with the account holder’s usual activity suddenly occur.
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How To Comply With Key Elements Of The Fannie Mae Loan Quality Initiative
Income;;;; MERS;;;; Property;;;; Employment;;; iDentity;;;; Evaluation
How to comply with key elements of the Fannie Mae Loan Quality Initiative
This bulletin summarizes key Fannie Mae requirements and highlights how our verification services enable our clients to fully comply.; Mortgage participant report is coming late September 2010
Fannie Mae Loan Quality Initiative Requirement
IMPEDE Verification Service Features
See SSA Form 89 Verification Report
Validation of qualified parties
Identification of property unit number
MERS report for undisclosed liabilities
See MERS SSN Lien Report
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Report And Close The Fraudulent Accounts
Contact the companies where fraud happened. Tell each companys fraud department that someone opened an account using your childs information, and ask them to close the account. Ask for written confirmation that says that your child isnt responsible for the account.
Contact the three credit bureaus. Tell each credit bureau that someone opened an account using your childs information. Ask them to remove any fraudulent accounts from your childs credit report.
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Red Flag And Identity Theft Prevention
In this brief on Preventing Identity Theft you will find the Policies on;Red Flag and Identity Theft Prevention.
PREVENTING IDENTITY THEFT
THE INFORMATION TECHNOLOGY DEPARTMENT and The Tennessee College of Applied Technology – Shelbyville want to help you be vigilant in securing your identity and reducing your risk of being a victim.
What is Identity Theft?
If someone is using your identifying information to obtain goods, services, credit, and/or open fraudulent accounts, you are the victim of identity theft. Victims are left with poor credit and the complicated task of restoring their good names. Usually, thieves target components of your personal identifying information, such as your:
Identity Theft Can Happen to Anyone
Identity theft is one of the fastest growing crimes in the United States. Someone’s identity is stolen every 4 seconds in the United States, and there are over 10 million identity theft victims in the US each year. The average costs for recovering from an attack on your identity is $8,000, plus an average of 600 hours in paperwork and other activities to clear your name. The majority of victims don’t discover the theft until months after it occurs.
How Can My Identify Be Stolen?
Your best protection against identity theft is knowing where the thieves can get your information. Amazingly, most of us don’t realize the most common ways our identity can be compromised by thieves:
Reducing Your Risk
If You Think It Has Happened to You
Measures You Can Take To Prevent Fraud
- Do not routinely carry your Social Security card
- Never say your SSN aloud in public
- Beware of phishing scams to trick you into revealing personal information
- Create a 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 visit your local field 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 visit your local field office to request removal of the block or make any future changes to direct deposit or contact information.
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Youre Unable To File Taxes Because Someone Has Already Filed A Tax Return In Your Name
If criminals use your personal information in communications with the government, youre a victim of government identity theft.
One example is tax-related ID theft, or tax refund fraud. Identity thieves may file taxes using your SSN and date of birth to cash in on your tax refund, channeling it into their own account. This would prevent you from filing your own taxes.
This crime is also known as Stolen Identity Refund Fraud. SIRF enforcement has become one of the highest prosecution priorities for the Tax Division of the Social Security Administration. In this case, contact the Internal Revenue Service immediately.
Youll also need to alert the Federal Trade Commission and your local police department. A police report may be helpful or necessary to resolve the issue.
A quick and practical tip? Always try to file your taxes early before scammers have the chance to beat you to it.
Recognize The Signs Of Identity Theft
Victims often do not realize their identity has been stolen until they are denied credit, turned down for a job, or sent a bill for purchases they did not make. Other signs of identity theft are:
- You are contacted by a collection agency regarding a debt you did not incur.
- You see fraudulent or inaccurate information on your credit reports .
- You get a phone call or letter telling you that you have been approved or denied credit for accounts you never requested.
- You receive credit cards that you did not apply for.
- You fail to receive bills or other mail on their regular billing cycle.
- Checks disappear from your checkbook.
Tip : Be Careful Sharing Through Electronic Devices
There are risks in sharing your Social Security number by email, text, voicemail, and fax. For example, your SSN could get intercepted and read after you send your information. There are sometimes ways to help keep your information safe for instance, by using a VPN on an unprotected Wi-Fi network. But the safest way to share may be face to face with someone you know and trust.
Your Social Security number is a big responsibility and a vital component of your identity. You may not be able to control whether its exposed in a data breach. But theres still plenty you can do to help keep it safe.
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How To Get A Replacement Social Security Card
To get a Social Security replacement card, visit the SSAs My Social Security account website. Youll be taken through the steps of requesting a replacement card. Keep in mind that you can use this online site to request a replacement card if you:
To apply for a replacement Social Security card, either online or via mail, you’ll need one acceptable personal identification document. By and large, your birth certificate will suffice, although the SSA will also accept the following proof of identity:
- A U.S. hospital record of your birth.
- A religious record indicating your date of birth .
- A current valid U.S. passport.
- A final adoption decree .
There are several exceptions if you cant get the needed identification documents, or dont have them at all. The SSA will accept other forms of identification that show your legal name and biographical data. Acceptable options include a U.S. military I.D. card, a U.S. Certificate of Naturalization, employee identity card, a certified copy of a medical record , a health insurance card, Medicaid card, or school identity card.
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How To Protect Your Social Security Number: 10 Ssn Tips
If you want to help protect yourself against identity theft, protecting your Social Security number is a good start. Your Social Security number is a high-value target for ID theft. Getting an identity theft protection plan is one step to consider.
Your Social Security number, or SSN, is a key piece of personally identifiable information. In the wrong hands like, in the hands of an identity thief your Social Security number might lead to various types of identity theft or fraud.
What can identity thieves do with your Social Security number? Heres a sample:
- Open bank accounts
- Open new credit cards or lines of credit to make purchases in your name
- File tax returns to obtain your refund
- Open new service accounts in your name, such as utilities or internet service
- Put you in major debt
- Destroy your credit score across all three credit bureaus
The Equifax data breach in 2017, which exposed Social Security numbers and other U.S.-consumer information, raised the risk for identity theft of more than 145 million Americans.
Although you cant do anything about a breach, its a good idea to learn what you can do to protect yourself following a breach, and before a subsequent breach. No matter how big or small, no business or industry is immune to cyberthieves who may have identity theft in mind.
Here are some tips for protecting your Social Security number and identity.
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
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Who Really Owns The Federal Reserve
The Federal Reserve System is not owned by anyone. The Federal Reserve was created in 1913 by the Federal Reserve Act to serve as the nations central bank. The Board of Governors in Washington, D.C., is an agency of the federal government and reports to and is directly accountable to the Congress.
Social Security Number Reduction Overview
In May 2007, Office of Management and Budget issued memorandum M-07-16, Safeguarding Against and Responding to the Breach of Personally Identifiable Information, requiring agencies to review their use of Social Security numbers in agency systems and programs to identify instances in which the collection or use of the number was unnecessary. Lastly, the memorandum required agencies to explore alternatives to using SSNs as personal identifiers for Federal employees and in Federal programs.
VA is committed to safeguarding Veterans’ and employees’ privacy by reducing or eliminating the use of SSNs in records. VA’s SSN Reduction Initiative is an ongoing program, initiated by OMB Memorandum 07-16 and driven by other recent Federal legislation such as the Social Security Number Fraud Prevention Act of 2017 and the Consolidated Appropriations Act, 2018, .
The Social Security Number Fraud Prevention Act of 2017 prohibits the inclusion of SSNs on any document sent by mail unless the head of the agency determines that the inclusion of the SSN is necessary. VA considers usage necessary or acceptable in instances when it is required by law, authorized by law, or fulfills a compelling business need.
VA will address compliance with this legislation through a multi-year phased approach that includes system modifications, user and Veteran re-education and awareness campaigns.
Acceptable Uses for Social Security Numbers
1. Required by Law
2. Authorized by Law
3. Compelling Business Need
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