Identity Theft

Ann K
Ann K used Ask the Experts™
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Is it possible if any one knows my social security number and date of birth can pull my credit history?
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JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
It might be possible, but you usually need more identification (copy of driver's license and credit card). It would not be easy as they would need to produce such identity.

Birthdates are outright common and social security cards are not secret and not identification either.

You should not have an issue if that is all they have.
they would also require your name and current address

but social security number and date of birth may be enough
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
Interesting. That would not be enough where I am.
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Author

Commented:
I just pull my report with my social and date of birth. I am just worried if any one has these two pieces of information can easily knows where I live and work.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
Almost all Facebook Users expose Date of Birth.

Keep your Social Security number as secret as you can.

Author

Commented:
Is it possible I knows if some one trying to pull my information??
Unfortunately, Social security numbers have a known pattern.  The full number can give you clues as to where and approximately when you registered for the number.  Hiding everything except the last 4 digits really doesn't provide much more security.  The banks are at fault for using it as ID in the first place.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
If you have a service that gives you all this, then (a) consider not using them and (b) do not give out your Social Security number.

Author

Commented:
My ex boyfriend knows my social and date of birth and he will easily knows where I am living now and work.
If he's threatening you or stalking you, you should probably get a restraining order.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
Make a record of this in case you need it for the authorities.

Author

Commented:
Yeah but this is sad. Just with these two pieces of information any one knows about me.
Maybe try and change your social security number to make it a little bit harder, but you can only do it if it's really serious.  There are problems associated with changing it.

https://www.consumeraffairs.com/news04/2005/id_ssn.html
http://www.esia.net/Social_Security_Numbers.htm
https://www.ssa.gov/pubs/EN-05-10093.pdf
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
There is not much you can do except be far more careful.

Tax Authorities need and will have social insurance numbers; otherwise do not give it to any one. I give my US SIN number to pesky people and I am not a US resident .

I give 1/1/1901 as birthdate to Facebook, here and anywhere else it Is not necessary

Author

Commented:
Can I change this number? I am from Tennessee.

Author

Commented:
I don't want to look at my family. I don't want no one knows where I am.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
You simply CANNOT prevent that. That is an unreasonable idea. I am not being harsh. Lots of people know who you are and where you live including institutions and banks.

Be careful what you give out.

Author

Commented:
I just bought a vehicle and now my credit report is showing where I am.
Read the links.  It only allowed under specific circumstances, such as domestic violence or if you've had identity theft fraud committed against you..  It will also make it difficult to get a passport.  It's not a guaranty that you won't be found.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
Unless you pay cash for a vehicle (I purchase used) this stuff will show up. Equifax has no idea what cars I drive but they do know where I live.

Residence is part of identity.

Author

Commented:
Tomorrow I will try my friend credit card and see if it allows to pull my information
btanExec Consultant
Distinguished Expert 2018

Commented:
A person with only your Social Security number and date of birth will not be able to access your credit report online. At a minimum, a person would also have to have your name and address just to get the request process started.
https://www.consumer.gov/articles/1009-your-credit-history#!what-to-do

Just a note that you are still protected on legally, under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. Even any participating company request will need your consent so if you allow through the signing then it is matters to how much privacy is revealed. Hope this helps as you would still minimise exposure though it is revealed unnecessarily
If the proof is something you don't recognize, or the creditor says you gave authorization at a time when you know you didn't, take immediate action. Tell the bureau to put a freeze, or at least a fraud alert, on your account (that bureau should then notify the other two). Also, since each of the big three credit bureaus (Equifax, Experian and TransUnion) don't necessarily contain the exact same information, you should check for any further evidence of fraud that didn't show up on the report you viewed. You can pull a free copy of each credit report once a year from AnnualCreditReport.com.
http://www.creditcards.com/credit-card-news/how-to-dispute-unauthorized-credit-report-inquiries-1270.php

Thought it may help in case you wish to do a self check on own privacy.. E.g. Check against data breaches
https://www.experts-exchange.com/articles/18652/Privacy-protection-practices-and-tools.html

Author

Commented:
Only Experian is showing my physical address. Is their a way I can remove my physical address from my credit history.
Exec Consultant
Distinguished Expert 2018
Commented:
you probably has to ask Experian support - for incorrect address, they will likely entertain but for the actual removal, you need to hear from them
There is a linked address on my credit report that is incorrect, or that I don’t recognise

If there is an address on your credit report that you are not familiar with or have never been to, it can be a sign of identity fraud. Here’s what you should do:

-We will look into this for you to help you to understand why the address is there, and to see if it can be removed from your Experian Credit Report. Please call our UK based team on 0800 013 88 88 (Freephone) or 0344 481 0800*
-We’ll contact the bank or financial institution that’s recorded this information combining your name with this address, and we’ll ask them to check it.
-We’ll keep you updated – we will let you know when we have contacted the bank or financial institution, and the outcome of that. Only the bank or financial institution who added the linked address information can authorize for the address link to be removed.
-We will add a ‘Notice of Dispute’ to this linked address within your credit report. This will remain until we are able to delete, change or resolve why the address is there.
-Once the bank or financial institution replies to us we’ll email you to let you know the outcome. We expect to receive a response from them within 28 days.
You’ll be able to see any changes on your credit report.

-Other things you can do:

-Contact the bank or financial institution yourself straight away to ask them to investigate. Only the organisation can give authorisation for the link to be removed, so your contact with them can speed up the time it takes to get something corrected.

-The bank or financial institution should inform the other credit reference agencies in the UK of this change too, but it is worth you checking directly with them. They are Equifax and Call Credit.
https://help.creditexpert.co.uk/help/sv635/Credit_report/linked_addresses
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
So far as I know you cannot remove your address from a credit bureau. You can correct it but not remove it.

Author

Commented:
Thank You.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
You are very welcome and I was happy to help. Take care and keep your data safe.

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