by Bob Schmidt

Created on: August 07, 2010

Your personal privacy can be easily violated by anyone who has your social security number. It is the key to identity theft, and must be regarded as a deep dark secret not to be revealed to anyone unnecessarily.

There are instances when it must be revealed. When dealing  with governmental agencies, employers, and financial institutions; it is necessary to provide your SSN as a means of identifying yourself. In every instance when it is requested, it is essential to know that the information is being shared with a legitimate representative of that entity.

When to divulge your SSN…

Any time that one deals with any government branch, they will require your social security number. Driver’s licenses, student loans, enrollment in state or federal schools, and a countless number of other entities that relate to government at any level usually require the SSN.

All banks, state or federally chartered, require this information. Loan applications always require social security numbers because credit files are all stored with the number being each individual’s identifying information. Public records are also attached to each individual’s social security number. Criminal and civil records are revealed when this information is requested legally.

When to refuse to reveal SSN information…

Sometimes businesses ask for social security numbers when there is no legal reason that it should be divulged. Some large companies make extra money as information resellers, while some companies dealing with healthcare products direct promotional products to those who share the information with them.

Anytime that this type of identification is requested, it is appropriate to ask why it is needed. If not totally satisfied with the need to disclose it, do not cooperate. Even if the company declines to do business with you, it is a good idea to shop around for other options. Remember, you can always return, if necessary, to give them the requested information.

It is especially important to be reluctant to reveal social security numbers when requested by telephone call or on the Internet. Unless you are absolutely sure of the security of the communication, avoid giving out any personal information. Unsolicited requests by individuals or companies are particularly suspect. Be sure that you are communicating with the company or agency intended.

Conclusion…

Identity theft and social security information are usually part of the same equation. Protecting your privacy is a personal responsibility, and failure to do so is dangerous. Anyone’s social security number, including your children’s, can be used by identity thieves to destroy the credit histories and lives of their victims. The best rule of thumb is to decline whenever possible if someone requests this important bit of information. As is often said, better safe than sorry.

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