Social Security Number Protection Policy
Social Security numbers are classified as Confidential information under the Wells Fargo Information Security Policy. As such, Social Security numbers may only be accessed by and disclosed to Wells Fargo employees and others with a legitimate business need to know in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic, and procedural safeguards, and must be stored, transmitted, and disposed of in accordance with the provisions of the Information Security Policy applicable to Confidential information. These restrictions apply to all Social Security numbers collected or retained by Wells Fargo in connection with customer, employee, or other relationships.
Don’t Respond To Emails Asking To Confirm Your Social Security Number
This is one of the oldest phishing tricks in the books.
Here’s how it works: You receive an email from a company claiming to be your personal bank or credit card issuer. The email will state that the company needs to update your account information, at which point you’re asked to click a link and confirm your Social Security number and other information. Some thieves may even call your house phishing for information.
Should I Give My Social Security Number For A Background Check
Providing a Social Security Number is an important step in the background check process. It provides information that Name and Date of Birth simply would not. For potential employees, it is not illegal to require them to disclose their SSN. And in order to protect your business and employees, it is necessary.
Is It Safe To Put A Ssn On An Online Job Application
With society becoming more dependent on the Internet, many businesses require online job applications instead of traditional paper applications. Online applications are faster to fill out for many people and can be processed faster by employers. However, many applicants are worried about privacy issues regarding giving out information, including their Social Security number, online.
Ssns Used In Advertising
Some SSNs used in advertising have rendered those numbers invalid. One famous instance of this occurred in 1938 when the E. H. Ferree Company in Lockport, New York, decided to promote its product by showing how a Social Security card would fit into its wallets. A sample card, used for display purposes, was placed in each wallet, which was sold by Woolworth and other department stores across the country the wallet manufacturer’s vice president and treasurer Douglas Patterson used the actual SSN of his secretary, Hilda Schrader Whitcher.
Even though the card was printed in red and had “specimen” printed across the front, many people used Whitcher’s SSN as their own. The Social Security Administration’s account of the incident also claims that the fake card was half the size of a real card, despite a miniature card being useless for its purpose and despite Whitcher’s holding two cards of apparently identical size in the accompanying photograph. Over time, the number that appeared has been claimed by a total of over 40,000 people as their own. The SSA initiated an advertising campaign stating that it was incorrect to use the number . However, the number was found to be in use by 12 individuals as late as 1977.
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How To Get A Credit Card Without A Social Security Number
The most common alternative to providing a social security number is to use an ITIN, or Individual Taxpayer Identification Number, instead. Most credit card issuers accepting card applications without SSNs will request this as an alternative, along with other documentation required to verify the identity of an applicant.
Keep Your Browser Updated
Do not use an outdated browser, especially one that’s a few years old. Companies release new browser iterations regularly, and you can update your browser for free. Older browser iterations may have security flaws that put you at risk for identity theft, from minor vulnerabilities to poor or even nonexistent protection against phishing scams. Phishing scams steal your identity by directing you to a website that exists solely to extract any and all information you enter. These websites sometimes feature a fake company’s information, while others look like a carbon copy of a legitimate company’s website and application section. When you enter your Social Security number, you’re actually sending it to the scammer rather than a reputable company. Modern browsers protect against many phishing scams by tossing up a warning page if the browser detects such a scam.
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What Do I Do If I Don’t Have My Social Security Card For A Job
If you really must replace your card, go to www.socialsecurity.gov/ssnumber before visiting your local Social Security office. The first step is to learn what documents you need. You’ll need to show us a U.S. driver’s license, a state issued non-driver identification card, or a U.S. passport to prove your identity.
Tip : Beware Of Phone And Email Scams
Identity thieves may try to trick you into revealing your SSN. For instance, in a phone or email, they might pose as your employer or a government office requesting information. Avoid sharing your number unless youre positive its a legitimate request.
Better yet, consider calling the requesting organization at a verifiable telephone number to provide the information. Or visit in person.
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Should I Ever Include My Social Security Number On My Resume Or An Application Form
Short answer: No.
Do not place your SSN on your resume. Identity theft is a concern, and you should carefully guard access to this number.
Scammers could ask for SSN as part of a fake job application.
Even an employer with a legitimate need for your SSN should not collect this on an application form.
According to the Society for Human Resource Management : It is not unlawful for employers to request an SSN on an application form however employers should request SSN only when absolutely necessary, such as in conjunction with a background check, completing a W-4, or enrolling an employee into benefits plans. Therefore the SSN should be collected separately from an application form where it will only be seen and accessed when necessary. An application form may be seen by individuals who do not need the SSN. About.com: Social Security Numbers on Job Applications.
Is It Safe To Put Your Social Security Number On An Online Tax Credit Screening
- musicbrain5 | 4K opinions shared on Other topic.Master+1 y It’s perfectly fine. They’re going to need it for tax purposes anyways if they hire you. React
- neoagent1 | 1.2K opinions shared on Other topic.Guru Yes most job applications ask for your SSN. The application websites are pretty secure. React
- Asker+1 y
ok thanks I feel better now. do you think it’s a bad start when I asked him if their site was safe for me to put my SSN? he sounded somewhat annoyed by it, and said “YES” in an annoyed voice.
- neoagent1+1 y
Yeah that probably wasn’t a good question since they directed you to do it. You have every right to be protective of your SSN though.
- Asker+1 y
so I guess I made a bad first impression on the phone. so if it doesn’t work out, next time I know. Thanks!
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What Is The Best Credit Card For New Immigrants
Top credit card options for new U.S. immigrants include the Capital One Platinum Secured Credit Card, U.S. Bank Secured Visa® Card* and the First Progress Platinum Prestige Mastercard® Secured Credit Card, but what card might be right for some wont necessarily be right for you. Consider your spending habits, budget and credit situation to determine which card is right for you before applying for any card.
How To Safeguard Your Ssn
The Better Business Bureau advises consumers not to enter their Social Security number online or give it out in an email or over the phone. It offers these tips for consumers when they are asked for their Social Security number:
- Ask under what law the SSN is required. What will happen if you dont share it?
- Ask if there are other forms of identification that are acceptable, or whether you can use the last four digits of your Social Security number.
- When interviewing for a job with a recruiter or temp agency, find out whether you can give your SSN directly to a potential employer.
- Ask what steps are taken to protect your personal information: How will it be stored and secured, and who will have access to the data?
If you must enter your Social Security number online, make sure youre using a secure connection and your security software is up-to-date. If youre on a WiFi hotspot, which is inherently unsecure, the best way to protect your SSN is to use a VPN like PRIVATE WiFi. VPNs send your sensitive information through a secure tunnel thats invisible to identity thieves.
Remember, youre the person most responsible for protecting your Social Security number. The best way to do that is to limit the number of entities that have access to it. Over 13 million Americans were victims of identity fraud in 2013 one every two seconds. Make sure it doesnt happen to you.
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Retailers And Other Vendors
Even if youre not using a check, you may think you have to give your Social Security number to anyone you do business with. They assume they need it, and you assume theyre right. Nothing could be further from the truth. If youre paying someone by cash, credit card, or debit card, they already have what they need to get paid. If they insist on your SSN, you have ample reason to suspect foul play, and should refuse to do business with them and potentially even report them.
How To Receive Federal Benefits
To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.
If You Have a Bank or Credit Union Account:
- Call the Go Direct Helpline at .
If You Don’t have a Bank or Credit Union Account:
- Direct Express debit card – a pre-paid debit card. Get help by calling the Go Direct Helpline at .
Make Changes to an Existing Direct Deposit Account:
Learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.
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Your Unsecure Social Security Number
A stolen Social Security number allows a criminal to use your identity to apply for credit or a mortgage, use your health insurance, and even use your identity if hes arrested. So why do so many organizations continue to ask for your SSN when they dont really need it? They do it out of habit and because its convenient. Even though they were never intended to be used as universal identifiers, Social Security numbers are the most commonly used record-keeping number in United States. Theyre linked to your bank account, credit, where you live and work, and much more. To make matters worse, the unsecure ways SSNs are stored and transmitted make them the prime target of identity thieves.
Consider these shocking statistics:
- 39% of adults who have used public WiFi said they have accessed or transmitted sensitive information while using it and 8% said they have sent an email with sensitive information such as a Social Security number or an account number, according to a 2014 Harris Poll conducted for PRIVATE WiFi.
- Consumers who had their Social Security number compromised in a data breach were five times more likely to be a fraud victim than the average consumer, according to the 2013 Javelin Strategy & Research Identity Fraud Report.
- 10% of children have had their Social Security numbers used by someone else, a rate 51 times higher than that of adults, according to a 2011 Carnegie Mellon University CyLab study.
But they cant legally require you to provide it.
Social Security Numbers Arent Secure: What Should We Use Instead
The answer is not as simple as replacing each nine-digit number with a longer one
Telecommunications company T-Mobile confirmed last month that hackers gained access to 54 million users personal data, including names, addresses, dates of birth andperhaps worst of allsocial security numbers. The latter are a big score for identity thieves because they can be used to unlock financial services, government benefits and private medical information.
This is only the latest major data breach to expose such identifying information on a massive scale, rendering hundreds of millions of Americans more vulnerable to identity theft. To stem the problem, some experts are calling for an end to social security numbers, suggesting we should replace them with some otherand less inherently vulnerableway of proving ones identity. But security experts think the government does not need to entirely do away with them. Instead the organizations that use social security numbers as proof of identity must start requiring more than a single form of ID.
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Do Offer An Alternative Way To Identify Yourself
Some companies rely on Social Security numbers to identify account holders. If you call your utility company or your cable company’s customer service, the rep on the other end may ask for your number to pull up your account faster. This is a legitimate and innocent reason. But before you give out your number, ask the customer service rep if there’s another way to find your account. You might be able to skip giving out your Social Security number if you have your account number handy, or you may only need to provide the last four digits of your SSN.
When You Have To List Your Social Security Number
If giving your Social Security number is a required field on an online application, leaving the answer blank may not be an option. Before filling in your Social Security number, make sure you are on the companys legitimate site. If you are applying for the job through a job search site, consider researching or calling the company before applying to confirm that the posting is legitimate.
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When Is It Safe To Give Your Social Security Number Online
Your social security number is an important part of your identity, and if it falls in wrong hands, then you might have to face some serious problems. It can be used to steal your identity and could have financial implications as well. It can be used to commit criminal acts in your name and carry out frauds.
The social security number is also used to assess the credit worthiness of a person before a lender extends a loan. Without a social security number that is backed by a clean history, you cannot get a loan at low rates.
However, many people are in a habit of giving their social security number for all kinds of reasons. The commercial world appears to have a practice of asking for social security numbers for everything, due to which most people do not hesitate in giving them. This is dangerous, as you cant easily spot a crook who wants to misuse your social security number. You cannot stop giving out the number as then you would find it difficult to participate in any commercial activity. Therefore, you need to make a distinction between legitimate demands for your social security number and traps that are laid out for you.
You need to recognize which businesses genuinely need your social security number and refuse to give the number to others. Credit card companies or other creditors require the number for checking your credit history. Various government schemes will also ask for the number before you can get their benefits.
Applicants Are Increasingly Unhappy About Having To Supply Their Ssn
Increasingly applicants are objecting to handing over their social security number automatically. In this light and even if it might cost applicants the employment opportunity, increasingly job searching counselors recommend that applicants write “SSN available upon job offer” in that space.
Employers claim that having this number upfront allows them to streamline their hiring processes. But, employers need to understand that some of the best candidates are refusing to supply their SSN. Some will not fill out an application that does not give them the option of refusing on the assumption that they wont receive consideration. As the war for talent escalates, this will become a bigger problem.
When the employer invites the job searcher for an interview and especially if they plan to make a job offer to the candidate, job applicants need to understand that the employer will need the SSN to make background checks. Remember, too, that the applicant is signing the application to provide the employer permission to check references, do background checks, allow criminal record checks, and affirm that everything you have provided on the application is the truth.
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