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Guest · Posted: Thu Jan 10, 2008 7:22 am Subject: I think I made a mistake Please Help

I gave my SS number to a debt collector. How can they use it against me.

Stupid in New York

Posted: Thu Jan 10, 2008 8:49 am Subject:

It's hard to tell, it depends on the collection agency and if it stays within the law. They can certainly use it to better track you, if you are afraid that they may use it illegally then you should contact the three major consumer reporting agencies (Equifax, Experian, and Transunion) to place a ID theft alert on their respective profiles. It is something you can do if you believe your personal identifying information is compromised.

Posted: Thu Jan 10, 2008 9:20 am Subject:

Good advice JCEMT....

Just curious, for what purpose did you give it to them?

Posted: Thu Jan 10, 2008 9:24 am Subject:

Did they ask your to confirm your #? Chances are they already have it our could have easily gotten it with a quick search on one of their skiptrace data base.

Sometimes collection agencies use the SSN to confirm that they are speaking with the correct person because 3rd party disclosure is against the law.

Should this happen in the future I would ask them to give you the last 4 to see if it matches. It's not often that your last 4 will match someone else's with your same name.

Posted: Thu Jan 10, 2008 9:30 am Subject:

FYI, is it required for the person to disclose their entire SSN, or will the last four suffice with some additional verification?

Posted: Thu Jan 10, 2008 9:40 am Subject:

I guess it depends on the companies policy. Mine require mininum of the last 4. After I do confirm that depending on the situation I will go for the full thing.

Posted: Thu Jan 10, 2008 9:46 am Subject:

Is there anything else that can be used for verification, I don't like giving out my SSN unless I have to. What policies does your company use in regards to this?

Posted: Thu Jan 10, 2008 10:07 am Subject:

Well each company has it's own policy. It's hard to say. I can verify ID by a few different things but the SSN is unchangable on a person and it will always verify 100%.

jerry lee

I give free email and phone advice for New York State residents with credit card debt problems. See my one page web site at: E=mail me at . Edited--Please read TOS rules. Bossy4455

Posted: Mon Jan 14, 2008 7:09 am Subject:

We don't allow product/service placement in the forums.
It is considered spam and is a violation to the sites TOS. If you wish to continue to post in the forum please read the TOS and abide by it.

Posted: Mon Jan 14, 2008 7:41 am Subject:

Advertising is forbidden by members or guests until admin approves them. I am glad you are here to help,but our site is not a place to cruise for clients.

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