{"id":9345,"date":"2021-12-10T09:00:00","date_gmt":"2021-12-10T15:00:00","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=9345"},"modified":"2025-05-14T16:25:50","modified_gmt":"2025-05-14T22:25:50","slug":"4-things-identity-thieves-can-do-with-your-social-security-number","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/4-things-identity-thieves-can-do-with-your-social-security-number.html","title":{"rendered":"What can someone do with your Social Security number?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/1500x500-3.png\" alt=\"\" class=\"wp-image-16775\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/1500x500-3.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/1500x500-3-1100x367.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/1500x500-3-768x256.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.<\/em>&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>Your Social Security number is one of the most important identifiers you have for financial and legal purposes. Most people born in the United States are issued one at birth, but it\u2019s not usually something you use yourself until you\u2019ve reached adulthood. But what happens if someone gets your Social Security number? Keep reading to find out how your SSN can be stolen and what criminals can do with it once they have it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-social-security-number-for\">What is a Social Security number for?<\/h2>\n\n\n\n<p>Your Social Security is a nine-digit number that\u2019s a unique identifier for you for government purposes. It\u2019s usually assigned upon birth in the United States, but if you had an undocumented birth or your parents didn\u2019t ask for a SSN, you may need to request one as an adult.&nbsp;<\/p>\n\n\n\n<p>Your SSN is very important and is required for several things, such as:<\/p>\n\n\n\n<ul><li>Filing taxes<\/li><li>Applying for jobs<\/li><li>Opening credit card and bank accounts<\/li><li>Getting a passport<\/li><li>Filing legal documents<\/li><\/ul>\n\n\n\n<p>Because your SSN is a unique identifier, it\u2019s usually not possible to be assigned another one. There are some exceptions in extreme cases, such as if you\u2019re changing your identity for safety purposes. It\u2019s very difficult to get a new SSN, and the approval process is long.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/ucxWg3xoKSQ\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-your-social-security-number-be-stolen\">How can your Social Security number be stolen?<\/h2>\n\n\n\n<p>It\u2019s 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:<\/p>\n\n\n\n<ul><li>Getting documents out of the trash. It\u2019s 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.<\/li><li>Overhearing you say your SSN. You may be asked for your Social Security number when you register at the hospital or when you\u2019re dealing with banks and other financial entities. If someone hears you say your SSN, they can then use it for their own activities.<\/li><li>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 breaches\u2014such as the 2017 Equifax breach\u2014happen when hackers are able to access companies\u2019 data banks.&nbsp;<\/li><\/ul>\n\n\n\n<p>Keep in mind that while a lot of paperwork may&nbsp;<em>ask<\/em> for your SSN, you don\u2019t always have to share it. For example, your children\u2019s school enrollment forms may have a line for your SSN, but this isn\u2019t something they actually need. In any situation, you can ask why the other party needs your SSN and refuse to give it if you\u2019re not comfortable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-things-someone-can-do-with-a-stolen-social-security-number\">5 things someone can do with a stolen Social Security number<\/h2>\n\n\n\n<p>So, what can someone do with your Social Security number? They can <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">steal your identity<\/a> and do all that that entails. Below are four common things criminals do when they steal your SSN.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-open-new-accounts\">1. Open new accounts<\/h3>\n\n\n\n<p>If someone has your SSN, they can open new accounts in your name. For example, they can open a checking account or set up an account with the local electric company. While some of these places will ask for more identifying information, such as a driver\u2019s license, it\u2019s common to only need a Social Security number and a matching date of birth to open an account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-file-fraudulent-tax-returns\">2. File fraudulent tax returns<\/h3>\n\n\n\n<p>Your Social Security number is also used to file your taxes in most cases. Someone who has your SSN can file a fraudulent tax return in your name to be able to claim a refund or stimulus money. You often don\u2019t know that a fraudulent tax return has been filed until you go to file your own. It can take months to straighten things out with the IRS, and this can keep you from being able to access your own refund in the meantime.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-obtain-medical-care\">3. Obtain medical care<\/h3>\n\n\n\n<p>If someone has your SSN, they can use it to get medical care at doctor\u2019s offices, hospitals and clinics. It can be months or even years before you realize this has happened. Many people don\u2019t know until they see a collection notice on their <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a> for an account they weren\u2019t aware of or when they go to seek medical care at the same place.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-steal-your-benefits\">4. Steal your benefits<\/h3>\n\n\n\n<p>If you use any kind of state or federal benefits, such as EBT, SNAP or Medicaid, they\u2019re tied to your SSN. That means someone else can also access these benefits if they have your Social Security number. Criminals are known to target unemployment benefits as well, and if you need to file for these benefits yourself after someone else has used your SSN fraudulently, it can take months to go through the process of proving your identity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-commit-crimes\">5. Commit crimes<\/h3>\n\n\n\n<p>While criminals don\u2019t actually use your SSN to commit crimes, they&nbsp;<em>can<\/em> provide it to law enforcement when they get caught. This could give you a criminal record you aren\u2019t even aware of and can affect everything from getting a job to qualifying for an apartment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-know-if-your-social-security-number-has-been-stolen\">How to know if your Social Security number has been stolen<\/h2>\n\n\n\n<p>People often find out their Social Security number has been stolen when they go to open an account or file their taxes and find out someone else has already done so using their name. However, other warning signs someone has stolen your SSN include:<\/p>\n\n\n\n<ul><li>Getting mail in someone else\u2019s name<\/li><li>Receiving debt collection calls when you haven\u2019t defaulted on anything<\/li><li>Receiving new credit or debit cards in the mail you didn\u2019t request<\/li><\/ul>\n\n\n\n<p>One of the best ways you can make sure no one has stolen your SSN is to keep an eye on your credit report. Regularly checking your credit report and bank accounts can ensure you catch that something may be amiss as soon as possible. If you see an error or an account you don\u2019t recognize, make sure to follow up with the financial institution. It may just be an <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-remove-fraud-from-your-report.html\" target=\"_blank\" rel=\"noreferrer noopener\">error<\/a>\u2014which will need to be addressed anyway\u2014but it\u2019s better to be safe than sorry.&nbsp;<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/RlxsMw7t2QA\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-you-do-if-you-think-your-social-security-number-has-been-stolen\">What should you do if you think your Social Security number has been stolen?<\/h2>\n\n\n\n<p>If you think your SSN has been stolen, you should immediately reach out to your banks, credit card companies and other financial services providers to let them know. You\u2019ll also want to inform the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">three main credit bureaus<\/a>. It\u2019s a good idea to file a police report to have an official record, and make sure to check the <a href=\"https:\/\/www.identitytheft.gov\/#\/\" target=\"_blank\" rel=\"noreferrer noopener\">FTC\u2019s official recommendations<\/a>, which list who to notify and how.<\/p>\n\n\n\n<p>Having your identity stolen can wreak havoc on your personal and financial life, but being as careful as possible with your SSN can help protect you. If you do find yourself the victim of <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/how-to-prevent-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">identity theft<\/a> or fraud, you may need to seek help from a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-help\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair company<\/a> or legal counsel.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/fLXhs7U0Kys\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What can someone do with your Social Security number? Learn more about what your SSN does and how to protect it.<\/p>\n","protected":false},"author":63,"featured_media":16772,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[525],"tags":[280,282,484],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What can someone do with your Social Security number?<\/title>\n<meta name=\"description\" content=\"What can someone do with your Social Security number? 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