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#162744 - Sun Mar 09 2003 04:18 PM Social Security Numbers
Biggles Offline
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Registered: Thu Jan 09 2003
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Loc: England
From movies and television programmes people in the USA seem to be asked for their Social Security number on numerous occassions. I the UK I guess that the nearest equivelant is the National Insurance number, but I have only been asked for this for tax purposes and state benefits. Is the US version used for more general reasons?

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#162745 - Sun Mar 09 2003 04:24 PM Re: Social Security Numbers
sue943 Offline
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According to Bill Bryson that is the case.
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#162746 - Sun Mar 09 2003 04:47 PM Re: Social Security Numbers
ladymacb29 Offline
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The problem is that a Social Security number (SSN) isn't supposed to be used for ANYTHING but Social Security. However, universities use it as your ID number (some do not), employers use it as your employee number, you're asked for it to open a bank account, open credit cards, etc. And that's where the problems start. All you need is a SSN and you can do all sorts of identity theft like open credit cards under someone else's name. Recently, some univeristy (I forget which) had 55,000 SSNs hacked! That's 55,000 people who now need to really check their credit reports and such VERY carefully, probably for the rest of their lives.

The US SSN should NOT be and never was intended to be an 'all-purpose' ID number - it was to be used to determine Social Security benefits only.

Also, a tip for people: Do NOT carry your SS card in your wallet. When I moved in with my current roommates and I saw that this is what they did, I cringed. Why don't carry it with you? Because on the off chance your wallet is stolen, the thief now has access to your photo ID, credit cards and SS number - each of which can be used in identity theft... but you can always get a new photo ID and cancel the credit cards - but that SSN is the hardest form to have a thief stop using. (I'm not sure, but I believe you cannot get your SSN reassigned if the card is stolen.)


Edited by ladymacb29 (Sun Mar 09 2003 04:50 PM)
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#162747 - Sun Mar 09 2003 04:58 PM Re: Social Security Numbers
sue943 Offline
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At which stage of your life in the US are you allocated this number? In the UK a number is normally sent shortly before a person's sixteenth birthday or they can apply for one from the age of fiteen and a half upwards.
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#162748 - Sun Mar 09 2003 06:29 PM Re: Social Security Numbers
MotherGoose Offline
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Sue, I believe you get one when you are born. The first group of numbers is the code for the state you were born in, or, if you are not born in America, it represents the state where you registered.

I got one when I became a legal resident alien in the US in 1980. In 1985, Maynooth (who is American) and I moved back to Australia (where I am from). When our daughter was born in 1990, I registered her birth with the American consulate here because she automatically has dual citizenship. They immediately issued her with a social security number.
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#162749 - Mon Mar 10 2003 12:27 PM Re: Social Security Numbers
skylarb Offline
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Registered: Thu Jan 30 2003
Posts: 631
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Quote:

Also, a tip for people: Do NOT carry your SS card in your wallet. When I moved in with my current roommates and I saw that this is what they did, I cringed. Why don't carry it with you? Because on the off chance your wallet is stolen, the thief now has access to your photo ID, credit cards and SS number - each of which can be used in identity theft... but you can always get a new photo ID and cancel the credit cards - but that SSN is the hardest form to have a thief stop using. (I'm not sure, but I believe you cannot get your SSN reassigned if the card is stolen.)




In the state of VA, your SS# is also your driver's license number, so you kind of have to carry it...you can, however, specifically request that an alternate number be used, which I did. It was also my student ID number at UVA, so it was on my student ID card too. It has become the general purpose ID number for just about everything in the U.S. But I am not sure what the alternative is. Say you could open a financial account without an SS#--how would that help to prevent identity theft? Wouldn't that just make it easier to open an account in someone else's name? Perhaps not--perhaps if they were not using SS#, they would be forced to authenticate who you are by having you come in in person with an ID card, which would have to be faked if you were going to steal someone's identity, which makes it just a little harder to steal an identity. But usually they require that anyway for bank accounts (not for credit cards).

It is a good idea for everyone to check their credit reports every few months to see if any accounts have been opened in thier names...you used to be able to get one report for free from many places; now it costs around $12. Identity theft is a very hard crime to prosecute, and if you have had it happen to you, you're dealing with financial companies for life...
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#162750 - Mon Mar 10 2003 12:29 PM Re: Social Security Numbers
skylarb Offline
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Registered: Thu Jan 30 2003
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Quote:

At which stage of your life in the US are you allocated this number? In the UK a number is normally sent shortly before a person's sixteenth birthday or they can apply for one from the age of fiteen and a half upwards.




When you are born (if your parents apply for it--they don't have to then, but sooner or later they have to, I think, if they want to get a tax credit for you!) or become a legal resident. It was at first related to social security; now it is used as a general purpose national ID number, and, without one, you cannot get a job, or open a bank account, or get a driver's license...or function on a day today basis.


Edited by skylarb (Wed Mar 12 2003 10:45 AM)
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#162751 - Mon Mar 10 2003 12:45 PM Re: Social Security Numbers
Linda1 Offline
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Registered: Thu Sep 30 1999
Posts: 11250
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Quote:

some univeristy (I forget which) had 55,000 SSNs




UT (University of Texas) - and it affects many people that I know personally. (Not me, thank goodness. I can proudly say that I did not attend UT. Inside joke - there's a great rivalry between schools down here!)

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#162752 - Tue Mar 11 2003 12:45 PM Re: Social Security Numbers
Linda1 Offline
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Registered: Thu Sep 30 1999
Posts: 11250
Loc: Munchkinland
I just talked to one of my friends who went to UT. He's clear. Apparently, his was not in the range of numbers they captured.

I am very set against having my SSN as an ID number. I try to fight it whenever I can. However, the above posters are right - the number is used for many things that you can't just say "I don't want to give you that info" to. You're forced to give it in some cases (that are not related to the purpose for which they were intended).

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