Social Security numbers – keep them safe, know your rights

July 27, 2010 – 9:43 am

In a day and time when most people are extra-cautious with their personal information, some may ask when Social Security numbers are required, and if a person can be penalized for not providing it.

Any business can request your Social Security number, but that doesn’t mean you are legally bound to give it to them. The problem is that SSNs have become personal identifiers, and they were never meant to be so.

There are certain times when a Social Security number must be used. Some of these include most financial transactions, employment records, tax returns (federal and state), Medicare benefits, contact with the Social Security Administration, and applications for hunting, fishing or other recreational license.

Some states have their own requirements for providing SSNs. Federal law prohibits states from displaying your Social Security number on your license or vehicle registration forms, but they can still collect this information.

Because Social Security numbers have become such a personal identifier, you will need to use it for many other transactions – basically anything that involves a credit check or background check. A potential landlord or employer will likely request it. And anyone lending you money or extending you credit will have to have it.

You do not have to provide your SSN to a potential employer, but be aware that if you don’t, you may exclude yourself from consideration. Potential employers use them for background checks, and asking for this information is not a form of discrimination.

Some police officers may request a SSN during a routine traffic stop. Officers may do this because the officer believes you have a common name, if the officer believes you are giving false information, or if the police computer indicates there’s a warrant out for your arrest. If you don’t provide the information as requested by an officer, you could wind up in the back of a squad car.

When purchasing something online, you will be required to give bank or credit card information. But if they request the last four digits of your Social, you should be suspicious. There’s no need for them to ask for this information. If this happens, watch your credit report for any fraudulent activity.

To be sure your information is protected, contact LifeLock today. With LifeLock’s Command Center™, your information will be monitored 24/7 and you’ll be alerted immediately if anything looks suspicious.

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