Social Security Identity Theft

To reduce the possibility of Social Security identity theft, only provide your Social Security number when required by law. In all other cases, either decline or request the use of another identifiers which is not related to your Social Security number. Most states will allow the use of an identifying number on your driver's license other than your Social Security number. If at all possible, do not use your Social Security number as your driver's license number. If you do, all a criminal needs to perpetrate Social Security identity theft is your driver's license. Take the simple precaution of using a separate number to protect yourself against Social Security identity theft.

Two organizations that will require your Social Security number by law are your bank and your employer. Your employer will need it to report your wages to the IRS and your bank will need it for tax reporting purposes too. Other businesses could ask for your Social Security number to run a credit check when you apply for an auto loan for example. You are not required to give anyone your Social Security number simply because the requested it regardless of what they say. You don't even need to give your utility companies your Social Security number. You'll have to make a depost in lieu of a credit check or you can decline service from that company but there is no law which requires you to provide your Social Secuirty number. Whenever anyone asks for your SSN, consider asking these questions:

1. For what purpose do you require my Social Security number?

2. How do you plan on using my Social Security number?

3. What specific statue requires me to provide my Social Security number?

4. What are the consequences of not giving you my Social Security number?

Some businesses claim that unless you provide them with a Social Security number, they won't deliver the product or service you want. While this may be a factor in your decision on whether or not to give them that information, the ultimate decision is still yours. And it can be no thanks.

Before providing any identifying information, inquire as to how the information will be used and whether or not it will be shared without your consent. Ask if there is another alternative for you to consider. If so, can you make the choice to have your personal information kept private and confidential?

The more information that you have printed on your personal checks - such as your Social Security number or home telephone number - the more personal data you are routinely giving to people who don't need to know that information.

Keep all items containing private personal information in a secure place, and be careful about where you store them in your home, especially if you have roommates, employ outside help, or have frequent visitors. Consider purchasing a home safe for your most important records or renting a safe deposit box at your local bank. Taking any or all of these steps will reduce your chances of becoming a victim of Social Security identity theft.