Who Can Lawfully Request My Social Security Number? #social #security #number, #ask #for #social

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Who Can Lawfully Request My Social Security Number?

The dramatic rise in identity theft over the last several years has resulted in many changes to the list of people and businesses that are legally entitled to request a Social Security number (SSN).

Not long ago, people provided their Social Security numbers without a second thought. Criminals took advantage of that complacency, and as a result, the federal government established the Identity Theft Task Force in 2006. One of the first recommendations the task force made was decreasing the unnecessary use of Social Security numbers. Much work remains in overcoming old procedures and habits in this regard, but any progress on this issue is better than the status quo.

Who has the right to request your SSN? Federal law mandates that state Departments of Motor Vehicles, tax authorities, welfare offices, and other governmental agencies request your SS number as proof that you are who you claim to be. However, the Privacy Act of 1974 requires that government agencies at the local, state, and federal level disclose to each person whether submitting your Social Security number is required, details on the use of this information, and what law or authority requires its use.

Please note that this Act stipulates that no one can deny you a government service or benefit for failing to provide your SSN unless federal law specifically requires it.

You aren t legally required to provide your SSN to businesses unless one of the following is true:

You ll be engaging in a transaction that requires notification to the Internal Revenue Service; or

You re initiating a financial transaction subject to federal Customer Identification Program rules.

If you refuse to provide your SSN, companies may choose not to do business with you, but there s no law that prevents them from asking for it. These are some examples of businesses that require a Social Security number for legitimate purposes:

Insurance companies
Credit card companies. lenders, and any other company receiving a credit application from you
The three main credit reporting agencies: TransUnion, Equifax, and Experian
Any company that sells products or services that require notification to the IRS, including investment advisors; banks; real estate purchases; financial transactions over $10,000, such as automobile purchases; and other financial transactions

It s important to remember that, once a company has your Social Security number, there are few restrictions on what they can do with it. You ll therefore want share this information only when absolutely necessary or required by law. Being very careful about sharing your SSN or any other personal information is a recommended way to help deter identity theft.

Copyright 2017 IdentityHawk

The articles and information available are for educational and reference purposes only. They do not constitute, and should not be construed as, legal or financial advice. Any legal or financial principles discussed here are for general information purposes only and may differ substantially in individual situations and/or in different states or countries. For specific legal or financial advice, please consult a licensed attorney or a financial professional. IdentityHawk does not control or guarantee the accuracy of any information provided through external links from the articles on this website to any other website, nor does the IdentityHawk privacy policy apply to any personal information that may be collected via the external links.

*Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. View the summary of your benefits. If you cancel your membership in the first 30 days, the insurance coverage will be cancelled as of your original membership start date.

Coverage for residents of New York is limited to a $25,000 maximum. New York residents: view the summary of your benefits .

IdentityHawk provides you with the tools you need to access and monitor your financial/credit information through the program’s credit reporting and monitoring benefits. IdentityHawk provides only limited credit monitoring services which are accessible to its members via the identityhawk.com website. IdentityHawk is not accepting new customers. Credit information provided by TransUnion Interactive, Inc.





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