3 Steps You Need to Take If Your Social Security Number Is Stolen

3 Steps You Need to Take If Your Social Security Number Is Stolen

Having your social security card stolen can be overwhelmingly stressful, especially considering how often you use it. Whether it’s at the bank, the doctor’s office, when you’re filing taxes or applying for government benefits, a stolen security card can expose you to fraud and identity theft.

Your social security number is vital for you to secure a job, get married, or open a credit card account. A lead data scientist at Verizon Enterprise Solutions estimated that 60 to 80 percent of social security numbers were robbed in 2015. Here are some steps you can take if their social security number is stolen.

Report to a Government Agency

If your social security number (SSN) or card is stolen or lost, you should immediately connect to your local police and the Social Security Administration. They’ll direct you to the Federal Trade Commission’s (FTC) official website.
You should also file a police report with your local jurisdiction. While this crime might not be investigated by your county or country, having a police report in your record can help you recover from identity theft.

Ask for a Credit Freeze

A security freeze can prevent lenders from accessing your credit report without your approval. It can seem inconvenient when you want to open new accounts, apply for loans, switch phones, purchase a vehicle, or rent apartments.

But unfreezing your credit is easy, and you can lock it again after your need is fulfilled. Whether you’re placing, lifting, or eliminating security freezes, these measures all free of cost. But all three nationwide credit bureaus must be contacted separately for it. Additionally, your credit scores won’t be impacted by a credit freeze.

You can also place an initial fraud alert that can urge potential creditors and lenders to take extra measures to verify your identity. This could include contacting you via phone before lending you credit. These alerts are free, last for 12 months, and can be renewed.

A blank U.S. social security card

Keep an Eye on Your Credit Report

One of the most important ways you can stay vigilant is regularly checking your reports for any activity that you don’t recognize.

Keep an eye on whether your existing accounts have been modified without your authorization. Or if any new accounts have been opened in your name. You should also check for any address changes that you haven’t made or any credit inquiries from lenders that you haven’t applied for.

Looking for a professional credit lawyer in St. Louis? Attorney Matthew Cook is a founder of Cook Law LLC, and who handles every case personally. With 11 years of experience, Mr. Cook’s practice areas include background check mistakes, credit report errors, bankruptcy inaccuracies, debt harassment, and more! Get in touch with him today to correct any credit report errors and alleviate your stress!

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