What Can Someone Do With Your Social Security Number
You might be wondering, What can someone do with my Social Security number? The answer is that they can do a lot, and none of it is good. An identity thief who has access to your SSN can quickly cause lots of damage to your credit score and financial situation. The thief can obtain loans and credit cards in your name, file fraudulent tax returns, and even access your bank accounts and withdraw your money. Having access to your SSN allows for easy identity theft because it becomes easy for the thief to impersonate you at financial institutions.
The ease of fraud makes Social Security numbers extremely valuable to a thief. This is one reason why there are so many scams out there that attempt to gain access to your SSN. Several government agencies like the Federal Trade Commission and others investigate these scams and attempt to stop them as quickly as possible.
Problems In Obtaining A Social Security Number
American Citizens Abroad, Inc. is following this issue, particularly with respect to US citizens abroad who are trying to come into conformity with new financial reporting legislation and regulation. If you have particular difficulties in obtaining a SSN, please submit your personal experiences via ACAs secure online portal. You can determine the degree of anonymity you wish to maintain and the extent to which ACA can share your story.
Disclaimer: American Citizens Abroad, Inc. is a non-profit organization formed under the laws of the State of Delaware. ACA does not provide legal, tax or accounting information. ACA makes no representations as to the accuracy, quality, utility, or any other aspect of the information contained herein. The reader is urged to obtain his or her own professional advice.
Prevent Losing Your 401s In The Future
Having a plan is the best way to prevent you from losing your 401s in the future. You should actively manage a 401 plan to ensure you’re on pace to meet your retirement goals.
Yearly or semi-yearly checkups are best. It’ll prevent you from analyzing your account’s performance and help you keep tabs on your account.
Having your 401 in the back of your mind, you more likely to remember to bring it with you when you leave your job.
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What Are Good Reasons
There are several good reasons for wanting to know. You’re getting divorced, for example, and you think your spouse’s declaration of assets is untruthful. Or you’re owed child support or have an outstanding court judgment against someone who has declared he’s insolvent.
Underlying most searches conducted for such reasons is a court order allowing it. Without a court order, the investigator can legally go only so far. He can determine the existence and location of a bank account, for instance, but cannot legally access the account itself to come up with an exact amount. On the other hand, most experienced investigators can come up with surprisingly accurate informed guesses. Armed with a court order, however, the investigator has a potent right to open all known channels of information, including Federal records and, yes, each and every bank and brokerage account.
Obtaining/reclaiming Your Social Security Number
Over time, the US Social Security Number has evolved from merely the number of your account for retirement savings to something akin to a single national identification number that follows you throughout your US administrative life. It is indispensable on passport applications, tax returns, financial account reporting and numerous other business forms. And now it has gone international: under FATCA banks and other financial institutions around the world are required to ask American citizen clients for an IRS Form W-9 , which includes their SSN.
For many American citizens living abroad, such requests may cause panic. They havent thought of their SSN for years . Some never had one some have lost theirs, dont remember the number, or dont even know if they ever had one. So, yet another unanticipated fallout of FATCA is the extra workload falling on American embassy and consulate Federal Benefits Units around the world.
Add to this mix the enhanced requirement for high-quality, verified documentation prior to issuing a SSN, due not only to FATCA, but to various recent laws aimed at countering fraud and fear of terrorists. The bottom-line message, particularly for Americans residing abroad, is: verify now that you and any citizen you want to claim as your dependent, have SSNs. If not, roll up your sleeves, assemble your documentation, and apply as soon as possible, because it costs time to obtain a SSN.
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How To Get Started
To set up a My Social Security account, you must be at least 18 and have a Social Security number, a valid email address and a U.S. mailing address. Youll also need some form of identification or financial information, like a drivers license or tax return, to verify your identity during the sign-up process. Make sure that you have all of this information handy.
Heres how to set up your account.
Go to the My Social Security sign-up page. Click on Create an Account . Youll be asked to read and agree to terms of service for the account.
Enter identifying information, including your name, birth date, Social Security number and address. Youll also be asked to provide a cellphone number or email address the SSA will use it later for verification.
Choose a method for Social Security to confirm your identity. There are three options:
Get a security code. Once youve provided information to verify your identity, Social Security sends a code by text or email, which you can enter to finish setting up your account. You can opt to receive the code by regular mail, though that option can take five to 10 days.
Create a username and password. This will be your My Social Security account log-in. The password must contain between eight and 64 characters and include upper- and lowercase letters, at least one number, and at least one symbol like an exclamation point, ampersand or dollar sign.
Congratulations! You have successfully created your online My Social Security account.
List Of Social Security Area Numbers
List showing the geographical location of the first three digits of the Social Security numbers assigned in the United States and its territories from 1973 until June 25, 2011. Repeated numbers indicate that they have been transferred to another location or they’re shared by more than one location.
On June 25, 2011, the SSA changed the SSN assignment process to “SSN randomization”. SSN randomization affects the SSN assignment process. Among its changes, it eliminates the geographical significance of the first three digits of the SSN, previously referred to as the Area Number, by no longer allocating the Area Numbers for assignment to individuals in specific states.
|SSN area number|
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Its Ultimately About Trust
Employers primarily run background checks as a baseline for establishing trust with a new employee. While a social security number does not tell the whole story, it provides a crucial foundation for verifying identity and building critical trust, without which any background report is essentially unreliable.
When And Why You Need A Social Security Number
Anytime you get hired for a new job, your employer will ask for your Social Security number. Your employers accounting department will use this number to report your income to the Internal Revenue Service and to report your Social Security wages to the Social Security Administration.
Your employer will also use it for state income tax reporting unless your state doesnt have an income tax. Employers who participate in E-Verify, a program to make sure employees can legally work in the United States, also must obtain your Social Security number before you can begin work.
Below are some other common scenarios where youll need to provide your Social Security number.
Original Card For A Us Born Child
Social Security must verify a birth record for all U.S.-born applicants who apply for an original SSN. An exception is made for a parent who applies for a baby’s SSN at the hospital when the baby is born. To verify a birth record, we will contact the office that issued it.
All documents must be either originals or copies certified by the issuing agency. We cannot accept photocopies or notarized copies of documents. We also cannot accept a receipt showing you applied for the document.
Get a certified copy of a document showing a birth, marriage or divorce that took place in the United States.
In some cases, we can assign your adopted child a number before the adoption is complete, but you may want to wait. Then, you can apply for the number using your child’s new name. If you want to claim your child for tax purposes while the adoption is still pending, contact the Internal Revenue Service for Form W-7A, Application for Taxpayer Identification Number for Pending U.S. Adoptions. For more information, see Social Security Numbers For Children .
Someones Got Your Number What Can You Do
Figuring out that someone has your Social Security Number is one thing. Fixing the problem is another. If you think someone is using your Social Security Number, you need to move quickly.
You have four things you need to do. You need to contact the Federal Trade Commission to report identity theft, contact the credit reference agencies to report the theft, contact the Social Security Administration, and contact your local police.
- The FTC is at 1-877-438-4338 or . There is a form to complete to report identity theft.
- Contact the three credit reference agencies and ask them to place a freeze on your credit report. This will prevent any new applications being created in your name. This will stop more debt from piling up.
- Contact the SSA on 1-800-269-0271 or Log on to the IRS Identity Protection website to alert them and prevent any tax returns from being filed in your name.
- Optionally, but recommended, alert the Internet Crime Complaints Center at . They alert other agencies that your SSN has been compromised.
Once all that has been done, report the crime to your local police. If you know how the theft took place, for example, you had your wallet stolen, the police will want to know where the theft would have happened, and what transpired.
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Social Security Administrations User
The Social Security Administration web site provides clear and reader-friendly information: www.ssa.gov/ssnumber. All applications for SSNs, whether original, replacement, or for change of name or data, use the same form, the SS-5 form . The different purposes may occasion differing degrees of documentation.
You’ve Found Your Old 401s Now What
Once you’ve located your old 401s, you have a few options. Some come with penalties, some require taxes to be paid, and some don’t require either.
You have the option to cash out all of the funds in your old 401s. However, the IRS will charge you a 10% early withdrawal penalty. In very few cases, can this penalty be waived, so it’s best to leave it saved until you’re at least 59Â½.
Secondly, you can rollover your old 401s into your current employer-sponsored plan. This comes with no penalty or taxes. Because you are rolling it over into another retirement account, you won’t incur any additional costs in doing so.
Lastly, you can consolidate your 401s into an IRA. Like a 401, an IRA is a retirement account, so it’s free from any penalties and taxes. These are held outside of your employer’s 401 plan, but they’re easy to set up and come with many more investment options.
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Social Security Number Search: How To Find A Person’s Ssn
Social Security Number Search: How to Find a Person’s SSNThe United States government originally used a socialsecurity number, which is also know as an SSN, as a meansof taxing a person. In recent years, however, the socialsecurity number has become an easy means of identifying aperson for many legal purposes.
Looking up a person’s SSN can tell you a lot about them.Every social security number is different, so, if you knowa name and SSN, you can quickly access many public recordsabout a person.
The biggest reason that you may want to do a search, basedon a person’s SSN, is if you are an employer who is lookingto hire a new employee.
A social security number search can verify that the personis who they say they are, for tax id purposes. After all,identity theft is a common problem in recent years.
Beyond that, though, a social security number search canalso tell you a person’s traffic violation history,criminal history, credit history and several otherimportant facts. As an employer, you can never be toocareful. You always want to be sure that the person youare going to hire is fit for the job.
One way to look up a person’s SSN information is throughthe United States Social Security Administration. On theirwebsite, you can conduct up to ten social security numbersearches each and every day. It is a free service,provided by the United States government.
How Do Benefits Work And How Can I Qualify
While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:
Those who are currently retired
To people with disabilities
To the surviving spouses and children of workers who have died
Each year you work, youll get credits to help you become eligible for benefits when its time for you to retire. Find all the benefits Social Security Administration offers.
There are four main types of benefits that the SSA offers:
Learn about earning limits if you plan to work while receiving Social Security benefits
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How To Change Your Name Or Address On Social Security Number Card
If you need to change your name on your social security card or tied to your social security number then you need to complete Form SS-5 available from the social security administrations website. You will need proof of identity and proof of documentation showing your new name as well as the new name. Identification can be a Driver’s license card, Employer ID card, Marriage license or divorce decree Military records, Adoption records, Passport or School ID card, Health insurance card. Please note that Medicare cards are not accepted. If you only need to change your address then you can do so by mail or you can do it over the phone by calling the SSA at 800-772-1213.
How To Check If Someone Else Is Using Your Social Security Number
The rise of technology has brought new threats to your personal data and its security. Identity theft is a crime that strikes at the heart of a modern citizens wealth, employment, social services, and more. Our identity specifically, the electronically-encoded identity that serves as the gateway to our bank accounts, to our home security systems, to our e-mail and network resources can be stolen by unscrupulous people and used for crimes great and small.
At best, an identity thief may use part of your identity as the launchpad for some phony persona that they are using to commit acts of fraud and light scams. At worst, they can drain your bank accounts, destroy your credit rating, and wipe out your hard-earned retirement benefits. Identity theft is not a minor crime in 2018, more than 60 million Americans reported that they were affected by identity theft.
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Background Check By Social Security Number
Helps lookup background information associated with social security number.
This is an instant search looks up names, aliases, AKA’s and addresses that have been associated with a Social Security Number. This can be a great way to prevent identity theft and fraud as it can help you pinpoint the names and addresses used with Social Security Number. Monitoring the names and addresses that are associated with Social Security Number can also help you identify or catch any type of fraud conducted with the number. This search could also help you find if any deceased person’s name is associated with social security number.
How To Search The Social Security Death Index
The Social Security Death Index is available as a free online database from numerous online organizations. There are some who charge for access to the Social Security Death index as well, but why pay when you can search it for free?
For best results when searching the Social Security Death Index, enter only one or two known facts and then search. If the individual had an unusual surname, you may even find it useful to search on just the surname. If the search results are too large, then add more information and search again. Get creative. Most Social Security Death Index databases will allow you to search on any combination of facts .
With over 77 million Americans included in the SSDI, locating a particular person can often be an exercise in frustration. Understanding the search options is extremely important in helping to narrow down you search. Remember: it is best to start off with just a few facts and then add additional info if it is needed to fine tune your search results.
Search the SSDI by First NameThe first name field is searched by exact spelling only, so be sure to try other possibilities including alternate spellings, initials, nicknames, middle names etc.
Searching the SSDI by Birth DateThis field has three parts: the birth date, month and year. You may search on just one or any combination of these fields. . If you have no luck, then try narrowing down your search to just one . You should also search for obvious typos .
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