Safeguard Your Social Security Number

A social security number is like gold to an identity thief. A crook can use it- along with other information, such as your name, address and birth date- to open credit card or loan accounts, file a fraudulent tax return obtain government benefits, even get medical care.

            Never carry your Social Security card in your wallet, and don’t leave anything in your car that contains your SSN or other sensitive information, such as paperwork or a laptop computer. If you don’t think an organization needs your SSN, omit it on forms. (Your bank or lender, your employer, and government agencies probably have good reason to ask for it.) If the company insists that it needs the number, ask how it will protect your information. Walk away if the response doesn’t satisfy you.

            Many Medicare recipients will have their SSNs printed on their cards for several more years until the government fully phases out cards that include the numbers. In the Medicare card, black out all but a couple of digits of your SSN on the copy and, on the back, write contact information for someone who can provide your SSN in an emergency, says Adam Levin, chairman and founder of Identity Theft 911. Carry the copy with you regularly, and take the actual card with you only for doctor visits.

            During tax session, submit your return as early as possible. You may deflect any attempt by thieves who already have your SSN to file a return in your name and collect a refund.