TheCatSite.com › Forums › General Forums › IMO: In My Opinion › SSN info
New Posts  All Forums:Forum Nav:

SSN info

post #1 of 14
Thread Starter 
During one of my classes we were talking Identity Theft and things you didn't know that you can protect yourself from it.

One thing that I found out (that made me do a ) was in regards to our social security numbers. Our teacher informed us that Canada has a law against private business from requesting your social security number (i.e. for car loans, credit cards, etc).

The U.S. currently does not have this type of law in place to prevent private businesses from accessing this information. Again

http://www.privacyrights.org/fs/fs10-ssn.htm

If you already knew about this, kudos to you

However I thought I would pass this along, place it in IMO in case anyone that did not previously know, and had any reactions to it.

Hopefully our government realises the issues that it can cause and that some sort of law is passed SOON to protect our rights.
post #2 of 14
The problem with the SSN is that it was never supposed to be a national identity number but got used by everyone as an id number. What is even more disturbing is that the records that the credit agencies have are their property, not ours to do with what they want. There has been some legislation limiting it, but not a lot.
post #3 of 14
The problem with Canada is that while they can not insist on your SIN for financial matters, many say they can't do a credit check or verify your identity without one and so people end up giving it out anyway.
post #4 of 14
Quote:
Originally Posted by icklemiss21 View Post
The problem with Canada is that while they can not insist on your SIN for financial matters, many say they can't do a credit check or verify your identity without one and so people end up giving it out anyway.
Same here. Only companies that need your SSN for tax purposes need it (employer, banks.) But everyone wants it, and people just give it up....
post #5 of 14
Thread Starter 
Right...supposedly you can look it up by address.

Actually the Personnel class i had, they didn't require a SSN for a back ground check...just your first and last name (and middle if you had one) and your birthday. That's the minimum you need for background check.

Yet, if background checks can be done that way, why not credit checks?
post #6 of 14
If only they used the SSN only for what it's meant for instead of other things like it's basically replaced our names... The ACLU sued my old school for their overuse of SSN in courses, employment, pretty much everything, because they kept getting stolen.

Oh and I'm in a lawsuit concerning credit agencies. Fun.

At least they quit making you put it on your DL
post #7 of 14
Quote:
Originally Posted by neetanddave View Post
Same here. Only companies that need your SSN for tax purposes need it (employer, banks.) But everyone wants it, and people just give it up....
very true, and why i stopped giving it.
the web password for my bank is your ssn number.
lol so i wont go to it.
post #8 of 14
Quote:
Originally Posted by icklemiss21 View Post
The problem with Canada is that while they can not insist on your SIN for financial matters, many say they can't do a credit check or verify your identity without one and so people end up giving it out anyway.
That's right. We ask on our tenancy application forms, because we want to do a credit check. You don't have to give it, but basically the landlords won't rent to you without a check, so....
post #9 of 14
Quote:
Originally Posted by lunasmom View Post
Right...supposedly you can look it up by address.

Actually the Personnel class i had, they didn't require a SSN for a back ground check...just your first and last name (and middle if you had one) and your birthday. That's the minimum you need for background check.

Yet, if background checks can be done that way, why not credit checks?
But what happens when you have 3 Jane Does all born on the same day?
post #10 of 14
I work for a place that does skiptracing as part of what we do. In the US, people are very easy to find. With just a name, I can look up anyone's current and past addresses for the last 20 years, get SS numbers, then run a credit check as a last option to finding them. It is so easy to do with the online search companies my place of employment subscribes to. Can also find relatives(and their info), past employment and criminal records. There really isn't any privacy out there.

If there were 3 Jane Does born on the same day, it would be a process of elimination and checking work, relatives and past employment.

Of course, we are simply trying to locate the person. Not sure what other businesses are attempting to do.
post #11 of 14
Thread Starter 
That's my understanding too. If there are 3 Jane Does all born on the same day, then you look at the one that has the same address that provided the application.
From there you can match up that information with the information from the credit card that sends the bill to the same address. So unless they are twin brothers or sisters living together with the same name because they're parents were sickos, then that will differentiate them.

This would create a few extra strokes on the keyboard, but still, you can get my drift. The only place i have worked that that required SSN was a bank. Granted, my last day there was back in 2002, but if I remember correctly I could access the software (since I'm IT) and view customers SSN because the software didn't hide it. I would hope by now that it would have changed to mask everything...but who knows. Like Bruce said, there are too many banks that use your SSN as the default password for online banking.

Heck I was glad when a lot of schools stopped using SSN for the student ID (as well as Med plans). One community college use to require you to log into the lab using you student ID # (which was really your SSN). The computer DISPLAYED what you typed in 36 or 48 pt font...so the person behind them in line could see it, from 5 feet away with my blind eyes I could see it. Thankfully they change it to some random number.
post #12 of 14
Quote:
In the US, people are very easy to find. With just a name, I can look up anyone's current and past addresses for the last 20 years, get SS numbers, then run a credit check as a last option to finding them. It is so easy to do with the online search companies my place of employment subscribes to. Can also find relatives(and their info), past employment and criminal records. There really isn't any privacy out there.
You don't even need a name. If you give your gender, zip code, and date of birth, someone can find your name, address, even what political party you registered for. This is all public information. You can do this with 87% of the US population. That remaining 13% can be narrowed down to 4 or less people (and some of those people are going to be twins living in the same town).

Consider that based on what you type here, you gender and zip code are pretty easy to figure out. If you also used your birthdate, anyone can find you.
post #13 of 14
If you REALLY want to see what's happening (and its scary) go to www.stolenidentityreport.com
post #14 of 14
You want to hear something I thought was scarry. At work we fill out time cards, on a sheet of paper, and our employee number is our SS number....I always freaked out every time I wrote it on there because what if the wrong person glanced at it?!!!! With some complaining this just got resolved in the last two weeks!!!
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: IMO: In My Opinion
TheCatSite.com › Forums › General Forums › IMO: In My Opinion › SSN info