topic Re: Should I give out social security number? in General Credit Topics

Should I give out social security number?

Anonymous — Fri, 25 Sep 2015 20:57:19 GMT

Hey everyone, I am getting ready to file a online complaint with the CFPB against Experian because of a long going issue that I have been having with their "Experian Credit Tracker" monitoring service. From talking to one of their representatives on the phone, I was told that it is optional for me to give the number out, but they advise it as it will help them find my credit file better when I submit the complaint. Is it advisable to give my social security number? I know that the CFPB is very reputable and it has helped me in tight spots. However I was wondering if it is truly necessary to even give the number out and can they find my credit file regardless?

Re: Should I give out social security number?

CH-7-Mission-Accomplished — Fri, 25 Sep 2015 21:15:34 GMT

I wouldn't do it. They have enough to find you with name and address. Just give them the last four of your SS number.

Re: Should I give out social security number?

mitchblue — Fri, 25 Sep 2015 21:19:54 GMT

If it's optional, never. If they need it, just last 4. Never give out full SS# unless it's required, IRS taxes for example.

Re: Should I give out social security number?

Anonymous — Sat, 26 Sep 2015 19:48:09 GMT

While SS# isn't required to view nor update a credit file, it can help in many instances.

If you have resided at the same address 5+ years, bureaus have the correct address, and your name is relatively different than others residing with you and those of your immediate family, you can likely leave off the SS# with no ill-effect.

However, if you have moved in the recent past and/or share a similar name, such as a first name, Jr, Sr, III, etc, with anyone in your immediate family (even if they / you are now located elsewhere), then providing SS# will help.

Personally, if it was me, I'd provide CFPB the SS# as requested. CFPB seems trustworthy enough. And heck, with all the security breaches along with regular data sharing, most SS#s are already spread far and wide, and easily obtainable.