Social Security Number Explanation

One of the most widely used identification numbers in America is your Social Security number, or SSN. This number serves a wide variety of purposes, and should be carefully guarded.

Social Security

The primary purpose of your Social Security number is to track payments into your Social Security account. These payments determine how much you will receive from the program when you retire.

Your Card and Number

Social Security cards are issued with a nine-digit number, in the format 123-45-6789. Your card should be kept in a safe place, and never carried in your wallet or purse where it might be stolen.

Taxes

Outside of retirement, your Social Security number identifies you for federal and state tax purposes, and is usually required to apply for any job.

Identification

Another way your Social Security number is used is to track your credit history. Creditors generally require it as positive identification for any prospective lenders.

Misuse and Fraud

If you think someone might have access to your Social Security number, you should report it immediately. This may be done at the Social Security Online website at SSA.gov, or by calling 1-800-269-0271.

References

• Social Security Online: Your Social Security Number And Card

Resources

• Social Security Online