Technology
Is your Social Security number at risk? Signs someone might be stealing it
With most of your life attached to these nine numbers, your Social Security number (SSN) is incredibly important to keep safe. That’s why it is crucial to pay attention to signs that your SSN may have been compromised. While preventing the misuse of your SSN is paramount, there are action steps you can take if it does fall into the wrong hands.
I’M GIVING AWAY A $500 GIFT CARD FOR THE HOLIDAYS
Enter the giveaway by signing up for my free newsletter.
Top signs someone might be using your Social Security number
Are you concerned that your Social Security number may have gotten into the wrong hands? Check below to see if you are experiencing any of these signs:
1) Changes to your credit report and score
Americans are granted free credit reports every 12 months from the three major consumer reporting companies. Regularly culling through these reports can help you spot potential fraud, which might signal that your Social Security number has been compromised. Any hard inquiries you didn’t request on your credit report are a strong indicator that someone tried to open a credit card or another line of credit with your SSN.
2) Changes to your Social Security statement
While most people know they should check their credit report and scores, you can see your Social Security statement by creating an account on the official Social Security Administration website. Because only one account can be created per SSN, it is safer if you claim it so that no one else can by piecing together your personal information (along with your SSN) to claim it fraudulently. Make sure it is connected to a secure email account that you check frequently. This account also provides up-to-date data on earnings and benefit distributions so you can see if anything is “off.”
BEWARE OF THIS SOCIAL SECURITY SCAM BY CROOKS TRYING TO TRICK YOU
3) Strange or new mailings or calls from debt collectors and junk mailers
While it might seem natural to toss a pile of “junk” mailers or ignore calls from random debt collectors or advertisers, it may be an indicator that someone has gotten a hold of your Social Security number and has begun opening accounts under your number. It’s important to make note of the patterns and follow up with these collectors should it become more and more apparent that your SSN might have been misused. Oftentimes, consumers start getting more credit offers when new credit cards are opened. Additionally, if you start receiving bills under someone else’s name at your address, it might be time to follow up with these notices.
4) New notices from the IRS or other governmental agencies
If you start receiving notices about your Social Security number being used to file someone else’s taxes or inappropriately use your health insurance, it is definitely a sign that someone may have compromised your SSN. While receiving a notice from the IRS or Medicare can feel scary, it is imperative that you reach out to the corresponding agency to notify them of the fraudulent activity so that you can stop further damage.
Top ways to keep your Social Security number safe
1) Sign up for a Social Security account
Go to the official Social Security Administration website to create an account, if you haven’t already.
2) Hide/keep safe your Social Security number card
Put your Social Security number card in a very safe place, such as a safe, bank safe or a filing cabinet that can be locked. Because it is used so frequently, those nine digits are worth memorizing. If your wallet is lost or stolen, and you keep your SSN card in there, it will be messier than losing just money or your ID. Don’t carry your Social Security card in your wallet or purse.
3) Go online
Skip jotting down your Social Security number on in-person forms. When your SSN is jotted down on paper, it is hard to control how the information gets used or disposed of. If you can submit forms online, you can skip the risk of having your SSN getting into the wrong hands. If you mail in forms that denote your SSN, you risk having that piece of mail stolen or lost.
4) Opt out of inputting SSN
Even though your SSN is requested on some forms, it is not always necessary. If a future employer is requesting your SSN, double-check why they need it. They would most likely need it to run a background check, which you should know about anyway. Additionally, some establishments allow you to provide the last four digits of your SSN until you are finalizing a screening process, etc.
5) Combat child identity theft
Open accounts for your children’s Social Security numbers because you want to claim them for them early and be able to monitor any movement related to their SSN.
6) Secure documents
Some records that contain your Social Security number are important to keep on hand, such as income tax filings. If they are kept digitally, encrypt and or password-protect the document or folder, especially if it is uploaded to the cloud. Keep offline documents with SSNs in a safe or shred instead of throwing them away.
Remember you (usually) only get one SSN in a lifetime, it is important to safeguard that data with your “life.”
7) Remove your personal information from the internet
Removing your personal information from the internet, given the increasing privacy concerns about artificial intelligence, is essential. Data removal services can help protect your Social Security number by systematically erasing your details from websites, thus reducing the risk of identity theft.
While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.
Check out my top picks for data removal services here.
8) IRS identity protection PIN (IP PIN)
To further protect your tax returns from identity theft, the IRS offers an identity protection PIN (IP PIN). This is a six-digit number that prevents someone else from filing a tax return using your Social Security number or individual taxpayer identification number. The IP PIN is known only to you and the IRS, adding an extra layer of security to your tax filings.
How to get an IP PIN
- Online request: The fastest way to receive an IP PIN is to request one through your online account on the IRS website. If you don’t already have an account, you must register to validate your identity.
- Alternative methods: If you can’t establish an online account, there are other methods, but they take longer. You can file an application or request in-person authentication.
Using your IP PIN
- Enter the six-digit IP PIN when prompted by your tax software or provide it to your trusted tax professional when filing your return.
- An IP PIN must be used on all federal tax returns during the year, including prior year returns.
- Do not reveal your IP PIN to anyone except your tax professional when you are ready to sign and submit your return.
Important information
- An IP PIN is valid for one calendar year, and a new one is generated each year.
- If you lose your IP PIN, you can retrieve it online or have it reissued by calling the IRS.
By using an IP PIN, you can significantly reduce the risk of tax-related identity theft and ensure that your tax returns are processed smoothly and securely.
9) Recognizing and reporting a Social Security scam
If there is a problem with a person’s SSN or record, Social Security will typically mail a letter. You can learn more about recognizing Social Security-related scams, including how to report a scam quickly and easily online to Social Security’s Office of the Inspector General, by reading more at www.ssa.gov/scams.
What to do if you think your Social Security number has been compromised?
If you noticed any of the signs listed above that indicate that your Social Security number may have been compromised, below are action steps you can take:
1) Reach out to the Social Security Administration immediately: Call them at 1-800-772-1213 to put an electronic block on your SSN.
2) Contact the three main credit bureaus to freeze your credit: This will prevent anyone, including hackers, from wreaking havoc on your credit. Make sure to report any errors on your credit reports with the credit agencies as well.
3) File a report with the local authorities as well as the Federal Trade Commission.
4) Submit a Social Security fraud report online or call the SSA’s Office of the Inspector General at 1-800-269-0271. They can help investigate any Social Security-related fraud.
5) Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.
One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white-glove fraud resolution team where a U.S.-based case manager helps you recover any losses. See my tips and best picks on how to protect yourself from identity theft. HOW DATA BROKERS ARE FUELING ELDER FRAUD IN AMERICA
Because your Social Security number has such a significant impact on your life, it is important to pay attention to any signs that it has been compromised and misused. While it may feel overwhelming to see any of these signs that your SSN might be compromised, it’s important to know there are steps you can take to protect yourself moving forward. While paying regularly for fraud protection services may seem like an unnecessary expense when you’re not presently dealing with identity or credit issues, a fraud protection service subscription can help you focus on your present moment instead of worrying about what a criminal might do with your SSN. And if something does happen, you have people in your corner to help you through the process.
What additional steps do you think government agencies should take to enhance the security of Social Security numbers? Let us know by writing us at Cyberguy.com/Contact.
For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter. Ask Kurt a question or let us know what stories you’d like us to cover.
Follow Kurt on his social channels:
Answers to the most asked CyberGuy questions:
New from Kurt:
Copyright 2024 CyberGuy.com. All rights reserved.
Kurt’s key takeaways
Technology
Google reveals quantum computing chip with ‘breakthrough’ achievements
Google’s quantum computing lab just achieved a major milestone. On Monday, the company revealed that its new quantum computing chip, Willow, is capable of performing a computing challenge in less than five minutes — a process Google says would take one of the world’s fastest supercomputers 10 septillion years, or longer than the age of the universe.
Along with more powerful performance, researchers also found a way to reduce errors, something Google calls “one of the greatest challenges in quantum computing.” Instead of bits, which represent either 1 or 0, quantum computing uses qubits, a unit that can exist in multiple states at the same time, such as 1, 0, and anything in between.
As noted by Google, qubits are prone to errors because they “have a tendency to rapidly exchange information with their environment.” However, Google’s researchers discovered a way to reduce errors by introducing more qubits to a system and were able to correct them in real time. Their findings were published in Nature.
“This historic accomplishment is known in the field as ‘below threshold’ — being able to drive errors down while scaling up the number of qubits,” Google Quantum AI founder Hartmut Neven writes on Google’s blog. “You must demonstrate being below threshold to show real progress on error correction, and this has been an outstanding challenge since quantum error correction was introduced by Peter Shor in 1995.”
Willow, which has 105 qubits, “now has best-in-class performance,” according to Neven. Microsoft, Amazon, and IBM are working on quantum computing systems of their own.
Google’s next goal is to perform a first “useful, beyond-classical” computation that is both “relevant to a real-world application” and one that typical computers can’t achieve. Going forward, Neven says quantum technology will be “indispensable” for collecting AI training data, eventually helping to “discover new medicines, designing more efficient batteries for electric cars, and accelerating progress in fusion and new energy alternatives.”
Technology
The Suicide Squad game’s final season is coming less than a year after launch
Suicide Squad: Kill the Justice League only came out in February, but the game’s final season, which starts tomorrow, is going to be its last. Season 4 Episode 7 launches on Tuesday, and Episode 8, which is set to release on January 14th, 2025, will “serve as the last seasonal Episode for Suicide Squad: Kill the Justice League,” developer Rocksteady announced on Monday.
After the release of the final content, the game will still be available to play online, according to a WB Games FAQ. But the game is also getting an offline mode tomorrow — which had been previously announced, though without a specific date beyond “2024” — that will let you play the main story and all seasonal story mission content without an internet connection.
The game has had a troubled history. The game was originally set to release in 2022 before being delayed multiple times. And a largely unsuccessful launch — in our review, we said the game “hides its brash personality under a generic looter shooter” — resulted in Warner Bros. Discovery announcing in May that it would be taking a $200 million loss on the game.
Technology
Router VPNs vs device VPNs: Which privacy solution is best for you?
VPNs (virtual private networks) are a powerful tool for securing your internet connection. They protect your data by encrypting it, making it harder for hackers or even your internet service provider (ISP) to see what you’re doing online. But how should you set up a VPN? Should you install it on each device or run it on your home network through a router? We will break down the pros and cons of both methods to help you make the right decision.
GET SECURITY ALERTS, EXPERT TIPS – SIGN UP FOR KURT’S NEWSLETTER – THE CYBERGUY REPORT HERE
How VPNs work
VPNs operate through two primary mechanisms: IP address masking and data encryption. When you connect to a VPN, it hides your real IP address by assigning you a new one from their server network, effectively preventing websites and cyber criminals from tracking your location or identifying you based on your IP address.
Simultaneously, VPNs encrypt all data transmitted between your device and the internet, rendering it unreadable to anyone who might attempt to intercept it. This encryption process ensures that sensitive information, such as credit card details, remains confidential throughout your online activities. By combining these two powerful features, VPNs create a secure tunnel for your internet traffic, significantly enhancing your online privacy and security.
VPN on devices vs. router: What’s the difference?
Understanding the difference between using a VPN on individual devices vs. setting it up on your router is crucial for maximizing your online security and privacy.
VPN on a device
Most people are familiar with using a VPN app on their phone, laptop or tablet. In this setup, the device connects directly to the internet through the VPN, keeping that device’s internet activity secure.
VPN on a router
With a VPN router, instead of installing a VPN on each device, the router connects to the VPN. This means every device connected to your Wi-Fi – whether a smartphone, laptop, gaming console or even a smart TV – automatically uses the VPN, even if that device doesn’t support VPN apps.
TOP ROUTERS FOR BEST SECURITY 2024
Why use a VPN router?
There are several advantages to running a VPN directly on your router.
1) Protect all the devices on your network
A VPN router ensures that every device on your network is protected, even those that don’t support VPNs, like smart home devices or certain game consoles. Once the router is set up with a VPN, it encrypts the internet traffic of all connected devices.
2) Set it and forget it
Installing or managing VPN software on every device is unnecessary with a VPN router. Once the router is configured, you can sit back and enjoy a protected internet connection across your entire home network. However, it’s a good idea to occasionally check that the connection is working properly using tools like DNS leak tests.
3) Increased privacy
Using a VPN prevents your ISP from seeing which websites or services you’re using. This is particularly useful if you’re concerned about privacy or want to access geo-restricted content, such as streaming services like Netflix or gaming platforms.
Are there any downsides to VPN routers?
While VPN routers are convenient, they do come with a few potential drawbacks.
1) Cost
Most basic routers provided by your ISP don’t support VPN connections. You’ll likely need to purchase a more advanced, VPN-compatible router, which can be pricier, starting at around $50 and going much higher for premium models.
2) Speed and performance
Encrypting all the traffic in your home network requires processing power. If you have a lot of devices connected at once, a primary router might struggle to keep up. In this case, a higher-end router with more processing power is recommended.
3) Less flexibility
When you use a VPN app on a device, switching server locations, adjusting security settings or choosing different VPN protocols is easy. Making these changes on a VPN router requires logging into the router’s settings, which can be more time-consuming and complicated.
DON’T TOSS YOUR OLD INTERNET ROUTER UNTIL YOU DO THIS
How to set up a VPN on a router
Setting up a VPN on your router may seem complex, but it significantly enhances your digital security, especially when paired with a robust router. Here’s how to approach this process.
Choose a compatible VPN service: Select a VPN provider that supports router installations. Look for services that offer comprehensive guides and customer support to assist you through the setup.
Select the right router: Ensure your router is VPN compatible and has strong security features. Opt for routers that support the latest Wi-Fi encryption standards, such as WPA3, and have built-in firewalls to protect against external threats. This will provide a solid foundation for your VPN connection.
Install the VPN: Follow your VPN provider’s step-by-step instructions to configure the service on your router. This typically involves entering your login credentials, installing necessary certificates and selecting a server location.
Test your connection: Once configured, verify that your VPN is functioning correctly by testing the connection. Ensure that all devices connected to the router are protected by the VPN.
Leverage additional security features: Take advantage of your router’s features such as guest networks and parental controls to enhance security further. A separate guest network prevents unauthorized access to your main network, while regular firmware updates from the manufacturer help mitigate vulnerabilities.
By integrating these steps, you not only set up a VPN but also fortify your home network against potential cyber threats.
BEST VPNs FOR BROWSING THE WEB PRIVATELY 2024
Should you use a VPN on a router or device?
When to use a VPN on a device:
- If you only need protection on a few devices, installing the VPN directly on your devices might be easier if you mostly use the internet on your phone and laptop.
- If you want flexibility, using a VPN app lets you quickly switch servers, change settings or disconnect the VPN when needed.
When to use a VPN on a router:
- If you have many devices, a VPN router is ideal if you have many devices connected to your Wi-Fi, especially if some of those devices don’t support VPN apps.
- If you want whole-home protection, a VPN router protects every device on your network, providing seamless security without the need to install apps on each one.
Find the perfect VPN software
When selecting a VPN on a device, you’ll want to choose trusted providers known for robust encryption and no-log policies to ensure your privacy. Whether for sensitive tasks or everyday use, reputable VPN services will boost your security and speed. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices.
WHY YOU SHOULD BE USING A VPN TO SAFEGUARD YOUR STOCK TRADING ACTIVITIES
Both VPN routers and VPN apps have their own strengths, and the right choice depends on your specific needs. A VPN router might be the way to go if you’re looking for convenience and whole-home protection. But if you prefer flexibility and more control over individual devices, sticking with a VPN app might suit you better. Either way, a VPN is a great step toward protecting your privacy and securing your online activities.
What aspects of online privacy and security are most important to you when browsing the internet at home? Let us know by writing us at Cyberguy.com/Contact.
For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter. Ask Kurt a question or let us know what stories you’d like us to cover.
Follow Kurt on his social channels:
Answers to the most asked CyberGuy questions:
New from Kurt:
Copyright 2024 CyberGuy.com. All rights reserved.
Kurt’s key takeaways
-
Technology1 week ago
Elon Musk targets OpenAI’s for-profit transition in a new filing
-
News1 week ago
Rassemblement National’s Jordan Bardella threatens to bring down French government
-
Technology1 week ago
9 ways scammers can use your phone number to try to trick you
-
World1 week ago
Georgian PM praises country's protest crackdown despite US condemnation
-
World7 days ago
Freedom is permanent for Missourian described as the longest-held wrongly incarcerated woman in US
-
Technology3 days ago
Struggling to hear TV dialogue? Try these simple fixes
-
Business23 hours ago
OpenAI's controversial Sora is finally launching today. Will it truly disrupt Hollywood?
-
World6 days ago
Brussels denies knowledge of Reynders's alleged money laundering