In today’s world, chances are your Social Security number (SSN)—one of the most vital pieces of personal data—has already found its way onto the dark web. Data breaches at major corporations, government agencies, and healthcare providers have leaked millions of SSNs into cybercriminal circles. It’s a troubling reality, but is it really that serious?
Spoiler alert: Yes, it is. Let’s explore why a compromised SSN is a big deal, how to check if yours has been leaked, and what to do if it has.
Why a Leaked Social Security Number Is a Serious Problem
Your SSN is a cornerstone of your identity. With it, hackers can gain access to your financial and personal information, impersonate you, open accounts, and more. Even if the impact isn’t immediate, cybercriminals can hold onto SSNs for years, waiting for the right moment to use them.
What Can Happen If Someone Has Your SSN?
- Identity Theft: Criminals can open credit accounts, take out loans, or file false tax returns in your name.
- Employment Fraud: Your SSN might be used to gain employment, leaving you with unexpected tax issues.
- Medical Fraud: Fraudsters could use your SSN for healthcare, altering your medical records and complicating future care.
Take the Equifax data breach of 2017, for example. This incident exposed the personal data of 147 million people, leading to fraudulent credit card applications, false tax returns, and more. Many victims are still dealing with the fallout today. It’s a reminder of how damaging SSN exposure can be.
Signs Your Social Security Number Has Been Stolen
Wondering if your SSN has been compromised? Here are some warning signs:
- Unexpected Mail: Credit card offers, debt collection notices, or bills for accounts you didn’t open.
- Credit Report Surprises: Unfamiliar accounts or credit inquiries on your report.
- Tax Return Issues: Multiple tax returns filed in your name or denied refunds.
- Health Care Records: Unfamiliar medical bills or incorrect entries in your records.
How to Check and Protect Your SSN
Whether you’ve seen red flags or just want to be proactive, here’s how to check if your SSN is safe and what steps to take:
Monitor Your Credit Report
Review your credit report for unfamiliar accounts. You’re entitled to a free report annually from Experian, TransUnion, and Equifax. Regular checks help you spot unusual activity early.
Use an Identity Theft Protection Service
Services like Experian IdentityWorks or LifeLock monitor your SSN and notify you of suspicious use. While they can’t prevent theft, they help you respond faster.
Freeze Your Credit
A credit freeze prevents unauthorized access to your credit report, making it harder for fraudsters to open accounts in your name. You can freeze and unfreeze your credit for free with the three major bureaus.
Sign Up for SSN Alerts
The Social Security Administration offers alerts for certain activities on your account. It’s not comprehensive, but it adds an extra layer of protection.
What to Do Immediately If Your SSN Is Leaked
If you confirm your SSN has been compromised, take these steps:
- File a Report With the FTC: Visit IdentityTheft.gov to create a recovery plan.
- Notify Credit Bureaus: Contact Experian, Equifax, and TransUnion to place a fraud alert on your credit report.
- Freeze Your Credit: Prevent new accounts from being opened in your name.
- File a Police Report: If the theft results in financial loss or criminal activity, a police report may help resolve disputes.
- Contact Financial Institutions: Alert your bank and other institutions to monitor accounts for suspicious activity.
Protecting Your Business: Why Cybersecurity Matters
For businesses, protecting Social Security numbers and other sensitive data is vital. A leak can lead to legal, financial, and reputational damage. Strong cybersecurity measures—like data encryption, network security, and employee training—help safeguard both individual and organizational information.
If your business needs help securing sensitive data, our cybersecurity team is here to assist. Schedule a FREE Security Risk Assessment today to safeguard your business against cyberthreats. Click here to schedule or call us at 856.552.3535.
We are here for you
Have a technology issue or question? Wondering if your current IT is really protecting you?
Setup a free, no obligation 15 minute chat with Darren by clicking below.
Tip! Be sure to ask Darren how to get a Cyber Risk Assessment at no charge!
