I guess it’s the little things that I take the most pride in. I’ve learned to accept the fact that I most likely will never be president, will never win the Nobel Peace Prize, will never be a best selling author or make any national publication’s “Man of the Week” for a cause that I’ve championed. Oh, I do champion some causes.
The cause that brought about this entry is one of privacy. Too many people are using my social security number (SSN) to identify me. I want to change that. This is the story of one small victory in that quest.
A few years ago I learned how easily it is to assume someone’s identity with just four pieces of information. Using only that person’s name, their birthday, their mother’s maiden name and their SSN you can apply for a Credit Card in that persons name with the address of your choice. You can also open up bank accounts with that information and, at that point, you can start renting a place to live under that assumed name and even get a driver’s license. At this point it is going to be very difficult for the credit bureaus to be able to ever seperate the transactions made by the real person and the imposter. Luckily I learned about this from the experience of another person rather than living through this nightmare myself.
It was after learning about my friends problems with identity theft that I resolved to only give out my SSN when required to by law or there was no other possible way to receive a service that I had to have. I’ve been suprisingly successful in doing so. There are four instances where SSNs are absolutely required. They are required when dealing with the IRS, the Social Security Administration, all financial institutions, whether bank, credit card company or brokerage firm, and when applying for a driver’s license. School’s and colleges will also require your SSN but I haven’t actually had the opportunity to find out if there is an alternative to their requirement or not.
One thing to understand, most other institutions that ask for your SSN are doing so in order to check your credit. A SSN is not required, however, to run a basic credit check. A SSN is only required to run an extensive credit check. Basic credit checks can be run using only a driver’s license. Utility companies generally want to be able to track you down if you skip out on them owing money so they will ask for your SSN in order to alert the credit bureaus if you do skip. All the credit bureaus need for this is your driver’s license number.
Now that I’ve got the background out of the way, let me tell you about a little personal victory I had yesterday. I’m moving to Lawrenceville, Georgia and I’m dealing with the usual things that one deals with in a move. Yesterday I set up the accounts with the various utilities. All of them asked of a SSN and most of them were immediately accomidating when I informed them that I didn’t give that out. “Okay, we need a deposit then,” was their reply. No problem with me on that. The City of Lawrenceville operates the natural gas utility for that city. They wanted a deposit and a SSN. If I didn’t want to give my SSN then an even larger deposit was required. It was a little too large and wasn’t refundable until I was no longer a customer, which could be a long, long time away.
I asked, “Why do you need my SSN?”
“I’m not sure, those are just the rules and we follow the rules here,” was the ladies reply. “You can ask the city clerk across the hall, if you’d like,” she added.
So, across the hall I went while the lady who sent me there continued with the rest of the work needed to set up my account. There I met the City Clerk’s assistant who listened politely to me and then explained why they needed my SSN in order to run a credit check. I explained how only a driver’s license was required to run a credit check. During this time the City Clerk came into the room and began listening. Surprisingly he was actually listening and went off to have someone else check out the accuracy of my claim that only a DL was needed for the credit check.
I left with an account with them, them without my SSN and possibly a change in their written policy concerning future applicants. Like I said, I’ve learned to take pride in the little things.