Your Social Security number (SSN) is crucial for everything from securing a job to filing taxes, opening bank accounts, and applying for benefits. However, as concerns about data breaches and identity theft grow, it’s important to ensure your SSN is authentic and not being misused.
In this guide, we’ll show you how to verify your SSN, recognize signs of fraud, and keep your identity safe in 2025.
How to Verify Your SSN
A valid SSN always has nine digits in the format AAA-GG-SSSS. However, not all combinations are valid. Numbers starting with 000, 666, or those above 899 are not valid for regular use. Also, sequences like AAA-00-SSSS or AAA-GG-0000 are invalid and could indicate errors or fraud.
Since 2011, the Social Security Administration (SSA) has used a randomized system to issue numbers, so it’s unlikely to see high starting digits without a valid reason.
How to Confirm Your SSN with Official Sources
To get the most accurate results, it’s best to check directly with the Social Security Administration (SSA). Employers and institutions can use the Social Security Number Verification Service to confirm if someone’s name, date of birth, and SSN match the SSA’s records. The service allows you to verify up to ten entries instantly or submit larger batches for next-day results via the SSA’s online portal.
Financial firms and government agencies often use the Consent-Based SSN Verification Service, which requires a small fee and consent from the SSN holder. This service helps ensure that the SSN is legitimate and matches the official records.
As an individual, another way to verify your SSN is by checking your Social Security Statement, which lists all the jobs linked to your SSN. If you see unfamiliar employers or gaps in your earnings, it could be a sign of misuse or fraud.
What to Do If Your SSN Doesn’t Match
If your SSN comes back as invalid, start by checking for simple errors. Typos in your name or SSN are more common than you might think. For example, name changes (like adopting a spouse’s last name or a hyphenated name) could cause a mismatch with SSA records. Even small differences in spelling can cause errors.
If you’ve verified that your SSN is correct but it’s still showing up as invalid, contact the SSA. You can either visit your local SSA office or call their toll-free helpline to request a correction or find out more.
Keeping Your SSN Safe from Misuse
Once you’ve confirmed that your SSN is valid, it’s important to keep it safe. Store your physical Social Security card in a secure place and never carry it in your wallet. Avoid saving your SSN in unencrypted documents or online accounts.
When you need to share your SSN, always ask about data protection: Why do they need it? How will it be stored? Who will have access to it? If you’re unsure, ask if there are alternative ways to share the information.
Monitoring your credit reports through AnnualCreditReport.com is a great way to spot any suspicious activity related to your SSN. If you’re worried about identity theft, consider placing a fraud alert or freezing your credit.
When to Change Your SSN
In rare cases, you may need to change your SSN. For example, if you’re a victim of ongoing identity theft, stalking, or domestic abuse, you can request a new number. However, the SSA will only issue a new SSN after carefully reviewing your case, and they will require supporting documents like police reports or court orders.
Verifying your SSN and ensuring it’s properly linked to your records might seem like a hassle, but it’s worth the peace of mind. In today’s digital world, taking the time to confirm that your SSN is authentic and secure is an important step in protecting your identity.
