Your Social Security Number (SSN) is one of the most critical pieces of personal information you own. It’s the gateway to your financial, governmental, and personal records, which makes it a prime target for identity thieves. Alarmingly, there’s a high chance your SSN may already be leaked or sold on the Dark Web. While this realization is unsettling, there are effective steps you can take to protect your identity and mitigate potential damage.
Table of Contents
Why Your SSN Matters
Often referred to as the “key to the castle,” your SSN provides access to essential aspects of your identity. If it falls into the wrong hands, the consequences can be severe.
What can happen if your SSN is stolen?
- Fraudulent credit accounts or loans
- Stolen tax refunds
- Exploited government benefits
- Unauthorized employment using your identity
- Complete identity theft
Given these risks, safeguarding your SSN should be a top priority.
How to Protect Your SSN
The E-Verify Self Lock feature is a free tool offered by the U.S. government. It prevents unauthorized use of your SSN for employment verification purposes.
How to set it up:
- Visit the E-Verify website and create an account.
- Alternatively, contact the Social Security Administration (SSA) at 1-800-772-1213. Be prepared for potentially long wait times.
Monitor Your Social Security Account
Creating a my Social Security profile is another proactive measure. This account allows you to review your earnings and benefits history regularly, even if you’re not currently receiving benefits.
Why it’s important:
- Ensures your reported income aligns with your actual work history.
- Alerts you to unauthorized changes or discrepancies.
Updating your account:
If your account was created over three years ago, update it using Login.gov or ID.me for enhanced security.
Check Your Credit Report
Federal law entitles you to one free credit report annually from each of the three major credit bureaus: Experian, TransUnion, and Equifax. Access these reports via AnnualCreditReport.com.
What to look for:
- Unexpected accounts or inquiries
- Unauthorized transactions
Spotting irregularities early can help you address issues before they escalate.
Take Action if Misuse Occurs
If you suspect your SSN is being misused, act immediately. Warning signs include:
- Unexpected bills
- Unfamiliar tax forms
- Duplicate tax filings
- Denial of government benefits
Steps to take:
- Visit IdentityTheft.gov to report the theft and create a recovery plan.
- Report fraudulent tax filings to the IRS via Identity Theft Central.
Be Proactive
Protecting your SSN is not a one-time task but an ongoing responsibility. By using tools like E-Verify Self Lock, monitoring your Social Security account, and regularly reviewing your credit reports, you can minimize the risks of identity theft. If your SSN is ever compromised, acting swiftly is your best defense against further damage.
FAQs
What is E-Verify Self Lock?
A tool to prevent unauthorized use of your SSN for employment.
How can I monitor my Social Security account?
Create a my Social Security profile and check it regularly.
How do I access my free credit report?
Visit AnnualCreditReport.com to request reports from all three bureaus.
What are signs of SSN misuse?
Unexpected bills, duplicate tax filings, or unfamiliar tax forms.
What should I do if my SSN is stolen?
Report it to IdentityTheft.gov and create a recovery plan.
