Thursday, June 16, 2022

What Happens When Your Social Security Card Is Stolen

Don't Miss

How To Apply For A Replacement Social Security Card

STOLEN Social Security Number? | This is What REALLY Happens

If you lose your Social Security card, you may be able to apply for a replacement card online through the Social Security Administration website, if you meet certain requirements. Review them here. Otherwise, youll need to follow an application process that involves providing documentation and completing an application.

Here are 3 simple steps to prepare to apply for a replacement Social Security card:

  • Learn what original documents you need to verify your citizenship, age and identity. Youll find a list at the Social Security Administration website.
  • Fill out and print a Social Security card application.
  • Take or mail the documents and application to the Social Security Administration. Make sure to bring in the original documents. To locate your nearest Social Security Administration office, use the agencys online office locator tool.
  • Preparing To Report Ssn Theft

    Before you report the SSN theft, you’ll need to get as much proof ready as possible to make your claim and assist in researching the incident. The Federal Trade Commission suggests making using their assistant tool that will help you identify important documents like tax returns, bank statements, online and physical mail communications likely related to the SSN theft. You’ll also want to look for credit card statements, bills and invoices, credit reports and personal records. Document anything like a stolen wallet, scam call or phishing attempt that might pinpoint how the SSN theft occurred too.

    Let The Three Major Credit Bureaus Know

    Add a fraud alert to your credit report at the three major credit bureaus TransUnion, Experian and Equifax if you are a victim of fraud or you may be. This alert can help creditors take extra steps to confirm your identity before issuing new credit under your name. Signaling one agency alerts the other two automatically.

    Don’t Miss: Www.social Security.gov My Social Security

    Get The Best Identity Theft Protection Today

    If you think youve been victimized after experiencing a lost or stolen Social Security card, or your Social Security number has been exposed by a data breach, we can help you take the steps to protect what matters most. IdentityForce can help monitor your identity and credit while providing you with the latest news and information in identity theft protection. Our Smart SSN Tracker alerts you if an unfamiliar name, alias, or address is associated with your SSN, and our experts will be there to assist you every step of the way. IdentityForces Identity Vault provides online encrypted storage for your important personally identifiable information including SSNs, credit cards, financial account information, and birth dates, along with other important documents. It also provides access to online and mobile digital organization and storage of digital copies of important legal and personal documents, medical records, and other items.

    Weve built best-in-class, innovative capabilities that continue to be named the best identity theft protection service throughout our industry. Additionally, our IdentityForce members receive full, white-glove restoration services to reduce the damaging effects of all types of fraud, theft, misuse, and unintended exposure of personal and financial data.

    Let us show you how IdentityForce can help you manage through a compromised Social Security number incident. .

    **Originally published July 11, 2017. Updated April 14, 2021.**

    Contact The Internal Revenue Service

    How to Replace Your Stolen or Lost Social Security Card?  Peak Home ...

    If you have reason to believe an identity thief has used your Social Security number to fraudulently file for a tax refund or has compromised your taxes in any way, contact your local Internal Revenue Service Taxpayer Assistance Center immediately. IRS personnel will help you determine what damage has been done to your tax record and help you ascertain what your next step should be to correct the problem.

    Internal Revenue Servicewww.irs.gov

    Also Check: Age For Maximum Social Security

    Use The Id Theft Affidavit

    Creditors may ask you to fill out fraud affidavits. The Federal Trade Commissions ID Theft Affidavit is accepted by the credit bureaus and by most major creditors. Send copies of the completed form to creditors where the thief opened accounts in your name. Also send copies to creditors where the thief made charges on your account, to the credit bureaus, and to the police. The form is available on the FTC Web site at ww.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. File a complaint of identity theft with the FTC. See their Web site at www.consumer.gov/idtheft The FTC keeps a database of identity theft cases that is used by many law enforcement agencies.

    How To Get A New Social Security Number

    First, you need to determine whether your credit is at risk. Many times, thieves sell Social Security Numbers to people trying to get a job, but other times criminals will use the number to commit fraud, which is when you need to get a new Social Security Number by filing with the Social Security Administration. There are a few things you need to know first.

    • The process is tedious. You must provide clear evidence of hardship, including run-ins with police, denial of new loans or credit that is too difficult to fix.
    • The problem does not vanish when you obtain a new SSN. Your old SSN still exists, and therefore you must continue to monitor it. When you apply for new credit, your old SSN will still be associated with you.
    • You’ll have to build your credit from scratch. With a new number, you will have no prior credit, making loans and credit cards difficult to obtain.
    • The Social Security Administration has final authority. The agency typically does not support giving out new numbers, and so it may not give you one.

    Recommended Reading: Social Sequrity

    Things That Happen When Your Social Security Card Gets Stolen

    Your Social Security card is an important document and if you need to get one, you will have to prove your identity using a few different documents. Your Social Security is very useful and it entitles you to certain benefits like Social Security and disability payments. You also need your card to apply for Medicare when you are ready to retire. This card is one of the most important cards that you can have if you are a citizen of the United States and you have to protect it from getting stolen. Read on to learn what to do if someone steals your Social Security card.

    If you need to get a Social Security card, the first thing you have to do is prove your identity. Social Security fraud is rampant and there are lots of scammers around that will try to rip you off so you have to make sure that you follow all the rules so you dont have any problems. You dont want your identity to get stolen because if it gets stolen you could end up losing a lot of money because when thieves get your Social Security card they are going to take out loans in your name.

    It is hard to catch Social Security theft early and before you know it you are getting calls from angry creditors that all want their money. Your credit score is going to go down which can cause you a lot of problems. If your credit score is bad you cant get a loan and you wont be able to buy a house or get a good rate on a car.

    Report The Fraud To The Three Major Credit Bureaus

    What to Do if You Lose Your Social Security Card

    You can report the identity theft to all three of the major credit bureaus by calling any one of the toll-free fraud numbers below. You will reach an automated telephone system and you will not be able to speak to anyone at this time. The system will ask you to enter your Social Security number and other information to identify yourself. The automated system allows you to flag your file with a fraud alert at all three bureaus. This helps stop a thief from opening new accounts in your name. The alert stays on for 90 days. Each of the credit bureaus will send you a letter confirming your fraud alert and giving instructions on how to get a copy of your credit report. As a victim of identity theft, you will not be charged for these reports. Each report you receive will contain a telephone number you can call to speak to someone in the credit bureaus fraud department.

    Experian 1-888-397-3742

    Recommended Reading: How To See How Much Social Security You Will Get

    Can I Replace My Social Security Card The Same Day

    Unfortunately, you cannot replace your Social Security card the same day. You can, however, visit your local Social Security office and obtain a receipt serving as proof that you have submitted your application for a new card. This receipt can be used as evidence of a temporary card in some situations. It will take anywhere from 10-14 to process your application for a new card, but the quickest way to get the replacement is through your Social Security account online.

    Keep An Eye On Credit Reports

    This is something you will need to review regularly. When a thief has a social security card, they can commit various crimes. By making sure you keep an eye on credit activity, you can help to prevent fraud before it escalates into an even bigger problem.

    There is a lot to remember but taking all the above steps is necessary. The fraud related to stolen social security cards can be very costly. Try and keep the damage down to a minimum and order a new card at your earliest convenience.

    You May Like: Socialsecutity

    What Are The Dangers Of Losing My Social Security Card

    Scammers can use your SSN to apply for credit cards or loans in your name, or commit account takeover fraud and steal or access additional personal information. One of the fastest-growing COVID-19-related identity theft crimes is tax fraud and identity theft, whereby thieves file a phony tax return in your name, hoping to snag a refund before you catch on. If your Social Security card is stolen, be sure to report the loss to the Internal Revenue Service. Another recent COVID-19 scam that cruelly exploits job losses involves filing phony unemployment claims using your SSN, birth date, name, or address.

    Even if your Social Security card is not stolen or lost, you need to remain vigilant for scammers who call you claiming theres a problem with your SSN or account and try to get you to divulge personal information. If theres a legitimate problem with your number or account, the Social Security Administration will mail you a letter with your Social Security number. To learn how to respond to unsolicited robocalls or calls using caller ID spoofing, visit this SSA webpage.

    Contact The Social Security Administration To File Fraud And Incident Reports

    What You Should Do If Your Social Security Card Is Stolen

    To kick off the identity-theft recovery process, you need to contact the Social Security Administration to report the fraud and begin creating a record of your identity theft. The Social Security Administration may direct you to the Federal Trade Commissions reporting website. You can visit the site directly at identitytheft.org.

    On the website, start by filing fraud and incident reports, which will include some basic information about the incident and what happened. From there, the site offers suggestions about what to do next. Depending on the specifics of your situation, you may need to report the theft to a landlord or credit card company, and you might also need to get a new SSN altogether. The FTCs website offers a step-by-step guide that includes links to file reports and initiate the recovery process.

    Also Check: What Are Social Security Earnings

    If Your Social Security Card Is Stolen This Is What You Should Do

    Back in the 1930s when Social Security numbers were first introduced, they were not meant to be used as we use them today. However, if you are like most people, you use your SS number constantly it might be at the bank, the doctors office, or somewhere else. You need to use a SS number to get a job, to open a credit or bank account, and even to get married. Since we use this number so often, what happens if your card is stolen or lost? This is what to do:

    Put a Fraud Alert on your Credit Report

    First, you want to put a fraud alert on your credit report by contacting all three major credit bureaus. When you do this, lenders and creditors use very strict guidelines when they screen any application with your information on it. These alerts last for a year, but you can get an extension when that year has passed.

    Freeze Your Credit

    If you want to get even more secure, think about freezing your credit. When doing so, you cannot use your credit for things like refinancing or opening a new credit line until you lift the freeze, which is good, because neither can a criminal.

    Consider ID Theft Protection

    If you can afford a couple of hundred dollars a year, you should consider ID theft protection. This ensures that your credit is monitored 24/7 by a team of experts who can also help to restore your credit if someone steals it.

    Watch Your Credit Report

    Be Smart When Online

    How Can Your Social Security Number Be Stolen

    Its surprisingly easy for hackers and criminals to get your Social Security number. This usually happens either by physically getting the information or through a security breach of some kind online. Below are a few of the ways a person can steal your Social Security number:

    • Getting documents out of the trash. Its common for papers such as medical bills or financial statements to have your SSN on them. If you toss these papers in the trash, criminals might actually go through it and then use the information.
    • Overhearing you say your SSN. You may be asked for your Social Security number when you register at the hospital or when youre dealing with banks and other financial entities. If someone hears you say your SSN, they can then use it for their own activities.
    • Obtaining it through a data breach. Even if you take all the necessary precautions to keep your SSN safe, you have to hope that other companies will do the same. Data breachessuch as the 2017 Equifax breachhappen when hackers are able to access companies data banks.

    Keep in mind that while a lot of paperwork may ask for your SSN, you dont always have to share it. For example, your childrens school enrollment forms may have a line for your SSN, but this isnt something they actually need. In any situation, you can ask why the other party needs your SSN and refuse to give it if youre not comfortable.

    Recommended Reading: Ordering Replacement Social Security Card

    What Do I Do Next Ongoing Steps To Take

    As weve talked about in some of my other blog posts, identity theft can be a long-term problem where follow-up instances of theft can crop up over time. However, there are a few steps you can take to minimize the damage and ensure it doesnt happen again. I cover several of those steps in detail in this blog here, yet lets take a look at a few of the top items as they relate to SSN theft:

    Consider placing a fraud alert.

    Look into an all-out credit freeze.

    A full credit freeze is in place until you lift it and will prohibit creditors from pulling your credit report altogether. This can help stop thieves dead in their tracks since approving credit requires pulling a report. However, this applies to legitimate inquires, including any that you make, like opening a new loan or signing up for a credit card. If thats the case, youll need to take extra steps as directed by the particular institution or lender. Unlike the fraud alert, youll need to notify each of the three major credit bureaus when you want the freeze lifted.

    Monitor your credit reports.

    Once every 12 months, you can access a free credit report from Experian, TransUnion, and Equifax. Doing so will allow you to spot any future discrepancies and offer you options for correcting them.

    Sign up for an identity protection service.

    Can I Change My Social Security Number

    Ask the Judge | What steps should I take to get a new social security card if mine was stolen?

    Yes. Sort of. The Social Security Administration can assign a new SSN in a limited number of cases. However, per the SSA, When we assign a different Social Security number, we do not destroy the original number. We cross-refer the new number with the original number to make sure the person receives credit for all earnings under both numbers.

    In other words, your SSN is effectively forever, which means if its stolen, youre still faced with clearing up any of the malicious activity associated with the theft potentially for quite some time. Thats yet another reason why the protection of your SSN deserves particular attention.

    Recommended Reading: My Social Security Payment

    Use Safe Websites & Services & Check For Breaches Regularly

    Always make sure that any website or online service that you frequent utilizes the latest security protections and certificates that allow for safe and secure personal data exchanges and storage. Do not send your personal details by email or text, and never fill out any forms on sites you do not recognize.

    How To Protect Your Identity Going Forward

    Now that you have made your initial report and have a new card on the way, what do you need to do to protect yourself going forward? First, you should consider signing up for a credit monitoring service so that you can keep a close eye on your credit. This type of service will alert you immediately if anyone attempts to use your Social Security number to obtain a new line of credit like a loan or credit card.

    You might even consider contacting the major credit reporting agencies like Experian, Equifax, and Transunion to place a lock on your Social Security number. This would prevent anyone from using your SSN to obtain credit without going through rigorous identification verification. Finally, make sure to keep a constant watch on your credit file for any suspicious activity. You can obtain a free copy of your report at annualcreditreport.com, and staying vigilant will help protect you from ID theft going forward.

    Finally, you should keep your Social Security card safe and secure. There is really no reason to carry your card with you all the time. It is best stored in a safe location and only pulled out when absolutely necessary. This can help prevent both theft and accidental loss of your card.

    Don’t Miss: When Can Social Security Be Drawn

    More articles

    Popular Articles