First, to Kayla.Â I am still loving the cd you bought me over a year ago.Â The Spill Canvas is fantastic, enjoyiing “All Hail the Heartbreaker” right now.Â Wonderful lyrics, great beats and just the right amount of electric guitar.
Ok, now for the point of this post.
We are always told, especially when we are younger (high school aged) the importance of keeping our social security number secret, private and safe. Â What they don’t tell you is that on every application for loans, university, credit cards… leases… they all ask for your social security number.
How are you supposed to keep this number secret when it seems every organization that gets a chance to sink their teeth into your finances will require your social security number before they allow you to give them all the money you’ve got?
Here’s an idea; why not give out someone else’s social security number to these companies, leasing agencies, credit card institutions, etc?Â Then if you don’t make a payment, no swear off your back.Â In fact, you can just disappear and they will never be able to track it back to you.Â Sounds like a great idea to me!
Except when they use my social security number.Â Turns out there have been a few people using my social security number to open up credit card accounts.Â At Bank of America, there are at least two guys using my number, or one guy with two “names”.Â One of these aliases lives in Baltimore Maryland and the other in Seattle Washington.Â Two place I have never been, always wanted to visit Seattle though…
I asked the bank what I should do and the extremely nice bank representative told me that she really didn’t know what to do but to check the Social Security Office’s website.Â According to them I have quite a few numbers to call.
1.Â Local Police, file a report and make copies.
2.Â Federal Trade Commission, report the SS# stolen
3.Â The three major credit companies (Equifax, etc)
4.Â My credit card companies (Target, BoA, Express…)
Then I might have to get all of my bank info and credit cards and school and work and tax information switched over to a new SS#.Â Considering that this isn’t the first time that my accounts have been compromised, and that this number is alreadyÂ being used by at least two aliases, a change in number would be highly adviseable (as per my talk with the bank).Â However, here are the problems with that as per the Social Security Office.
Only as a last resort should you consider changing your Social Security number. Changing your number may adversely impact your ability to interact with federal and state agencies, employers and others. This is because your financial, medical, employment and other records will be under your former Social Security number. If you have done all you can and someone still is using your number, we may assign you a new number. We cannot guarantee that a new number will solve your problem.
As Jim would, and has put it many times before, I “really have the luck”.