How to Find Information on What to Do If Your Social Security Number Is Stolen

Your Social Security number is one of the most important tools you have in establishing credit, identifying yourself for legal reasons, getting a job and collecting benefits when you retire. Knowing what to do if that number is stolen can save you time, money and trouble. Follow these steps.

Instructions

Difficulty: Moderately Easy

1. Go to the Web site of the Federal Trade Commission (FTC) to file a complaint and get information on identity theft (see Resources below). Follow the FTC recommendations for victims of stolen Social Security numbers.
2. Contact the police to report your stolen Social Security number. Bring the information you provided in the FTC complaint when you go to the station to fill out an Identity Theft report.
3. Go to the Web site of the Social Security Administration (SSA). There is a link to information on Social Security number theft and getting a replacement number (see Resources below).
4. Order a copy of your statement from the Social Security Administration (SSA) to find out if your number is being used by another person.
5. Get information on receiving free annual credit reports from the major credit reporting agencies (see Resources below). Check your credit reports to see if anyone is using your Social Security number to open new credit accounts or make purchases using your existing credit cards.
6. Fill out an application on the Social Security Administration Web site or at a district office for a replacement card or issuance of a new number. A new number will only be given if you can show that there has been extensive misuse of your number. You must provide proof of citizenship, identity and age to get a replacement.

Tips & Warnings

• Memorize your Social Security number so you don't have to carry the card with you. Only give the number in special circumstances and to reputable companies. Ask if there is other information you can provide instead of your number.
• Use your police report to enforce certain legal rights you if someone is using your Social Security to fraudulently open accounts or conduct transactions in your name. Without a report, you won't have the right to examine the records of these transactions.

Who Can Help: