5 ways an identity thief can use your Social Security number
The first three digits corresponded to the geography of the Social Security office issuing SSNs, and then later those digits represented the state of the applicant when SSN issuance was centralized. The second set of numbers was a group identifier and the third set of four digits was a serial number issued in order of request.
It was no longer easy to correlate a person age and geography to an application. The Visa program is a risk management product specifically used for credit underwriting and fraud prevention. Usage of it is voluntary, however, all Visa issuers are required to provide data into it.
The Visa ICS is a nationwide centralized database of comprehensive approved and declined bank card application information, fraudulent applications and fraudulent account use reported by Visa issuers. Whitley stated that since many banks are dual issuers, the repository also holds Mastercard approved and declined application data. Whitely added that the SSA pilot is starting out with only 10 institutions and that Visa is not among them.
According to the Federal Register, the SSA will expand the pilot to additional companies six months after the initial rollout. While the eCBSV program holds strong potential for combatting synthetic fraud, Whitely predicts that it will take years before it becomes a highly effective tool, so Visa is currently promoting the ICS program to issuers.
The eCBSV program will collect an upfront development fee from all participants to create it. Login Subscribe.
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Now Reading: The Latest. Subscribe Now Authoritative analysis and perspective for every segment of the payments industry. Learn More. In addition, the Discover card now offers its customers a free monitoring service that notifies you if your Social Security number appears on websites that criminals use to buy and sell personal information. You can also order a free copy of your credit reports from each of the three major consumer credit bureaus every 12 months using AnnualCreditReport.
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Another option is to request an initial fraud alert from the three major consumer credit bureaus, which will protect your credit from unverified access for 90 days. To see if your Social Security number is being used by someone else for employment purposes, review your Social Security Statement at www. Finally, you'll want to use additional scrutiny by regularly checking your bank and credit card accounts online.
Intro to identity theft
When your Social Security number has been stolen, it's important to distinguish between potential problems and actual fraud. By knowing all of the available steps that you can take to combat identity theft, you can take the right actions to protect yourself. Identity thieves use the Dark Web to buy personal data to commit fraud. Protect yourself today with Dark Web Surveillance and a full suite of identity protection services.daicocochen.cf
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