What happens if someone has access to my Social Security?

Asked by: Pansy Brekke  |  Last update: March 13, 2025
Score: 4.6/5 (24 votes)

Identity thieves can use your SSN and other personal information to apply for loans and credit cards and open cellphone and utility accounts in your name. If you believe your information has been stolen and you may be a victim of identity theft, you can: Visit IdentityTheft.gov to make a report and get a recovery plan.

What to do if someone has access to your Social Security?

If you know your Social Security information has been compromised, you can request to Block Electronic Access. This is done by calling our National 800 number (Toll Free 1-800-772-1213 or at our TTY number at 1-800-325-0778).

What happens if someone has access to your SSN?

An identity thief who has your social security number and other personal information could do a number of things with it, including: Open new credit accounts, like credit cards or car loans, in your name. Claim tax refunds that rightfully belong to you. Create a fake identity to get a job, apartment, or other services.

What to do if someone has your Social Security information?

Identity Theft: If you think an identity thief is using your SSN to work or to collect benefits, call the Social Security Fraud Hotline at 1-800-269-0271. If you think someone may be using your SSN to work, check your Social Security Personal Earnings and Benefit Statement.

Should I freeze my credit if someone has my Social Security number?

A security freeze can help prevent identity theft, because businesses will not open credit accounts without first checking a consumer's credit history. If your credit files are frozen, even someone who has your name and Social Security number probably will not be able to obtain credit in your name.

STOLEN Social Security Number? | This is What REALLY Happens

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Can I put a lock on my Social Security number?

You can call the SSA to lock your SSN. Contact them at 1-800-772-1213, and make sure you have additional proof of your identity when you speak to them. Additional forms of identification could include a driver's license or passport.

How do I find out if someone used my SSN to file taxes?

To verify your identity and tax return status, call us at 800-908-4490. We can't give your refund status or other tax information at this number. For tax account answers, call 800-829-1040. To verify your notice or letter, search for it online or call us at 800-829-1040.

Can I check to see if my SSN has been compromised?

Visit www.annualcreditreport.com to receive a free credit report. Contact the Social Security Administration if you think your Social Security number has been compromised and the administration can help review your statements.

Can you change your SSN?

The Social Security Administration does allow you to change your number, but only under limited circumstances, such as identity theft or if your safety is in danger. You will also need to supply appropriate documentation to support your application for a new number.

Can you put a PIN on your Social Security number?

Anyone with an SSN or an ITIN can get an IP PIN including individuals living abroad.

Can someone access your bank account with your Social Security number?

In 2023, Social Security numbers were exposed in 69% of all data breaches, up 60% from 2022 [*]. If criminals manage to compromise your SSN, they could open bank accounts, obtain credit cards, access medical care, and claim tax returns.

How do I check to see if someone is using my identity?

Here are some simple ways to check if your identity has been stolen.
  1. Review Your Credit Reports. ...
  2. Check Your Bank Statements. ...
  3. Pay Attention to Strange Mail. ...
  4. Stay on Top of Your Tax Returns. ...
  5. Check Your Medical Statements. ...
  6. Review Your Social Security Statements.

What to do with identity theft?

You can file a complaint online with the FTC. If you don't have Internet access, call the FTC's Identity Theft toll free hotline at 1-877-IDTHEFT (1-877-438-4338). File a police report.

How to know if someone is using your Social Security to work?

Contact the Social Security Administration. They'll review your earnings with you to ensure the records are correct. You may review earnings on your online Social Security Benefits Statement. Workers, age 18 and older, may create an account to review their benefits statements.

Who can touch your Social Security?

Government agencies, employers and creditors have the authority to garnish a portion of your Social Security benefits to cover unpaid debts. For example, under the Consumer Credit Protection Act, an employer can withhold earnings for child support payments if a court order mandates it.

How long does a Social Security investigation take?

On average, field offices should take a combined total of 19 days to do two things: first, to check the non-medical requirements, and then, after the DDS review, to make a decision. DDS should complete its medical review within an average processing time of 180 days.

What to do if someone has my Social Security number?

If someone has misused your SSN or other personal information to create credit or other problems for you, there are several things you can do. or call 1-800-908-4490. File an online complaint with the Internet Crime Complaint Center (IC3) at www.ic3.gov.

How much does it cost to change your SSN?

Changing your name or updating an incorrect birthdate, your sex identification, or your citizenship or legal status is always free. To make changes, you'll need to request a replacement Social Security card. Depending on the change, your application may be completed either online or in person.

Can you reset your SSN?

You can change your Social Security number, but you must have a valid reason and proper documentation for proof. Qualifying reasons for a new SSN include repeated identity theft attempts or harassment and abuse.

How to lock SSN?

The first thing you should do when locking your SSN is call the Social Security Administration (SSA) at 1-800-772-1213 and ask them to block electronic access. This will prevent anyone (including you) from accessing your online Social Security account and changing your personal info or records.

What happens if my SSN is on the dark web?

Someone may have filed a tax return using your SSN if it was found on the dark web, which could have triggered a notice from the IRS. Contact the IRS immediately if you think or know you are a victim of identity theft.

How do you see where your SSN is being used?

1. Check your credit reports. You should check your credit report right away if you suspect someone else is using your SSN to determine if any loans have been taken out in your name. Examine your credit reports to see if there are any new accounts created, unfamiliar charges or unauthorized payments.

How does Social Security identity theft occur?

Social Security number identity theft occurs when someone gains unauthorized access to your SSN. For example, a scammer might steal your wallet, purse or mail, rummage through your trash or pose as an employer, government agency or someone else who legitimately needs your personal information.

How can I check my SSN record?

If you do not have a personal my Social Security account, you can easily create one at www.ssa.gov/myaccount. If you have not created a personal my Social Security account and do not receive Social Security benefits, we will mail a paper Statement to you 3 months before your 60th birthday.

What must you do to prevent identity theft?

The following tips can help you lower your risk of becoming a victim.
  1. Protect your Social Security number. ...
  2. Fight "phishing" - don't take the bait. ...
  3. Polish your password practices. ...
  4. Be mysterious on social networks. ...
  5. Shield your computer and smartphone. ...
  6. Click with caution. ...
  7. Check your statements.