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Last four digits of SSN and DOB [dos -don’ts]

    What do the Last four digits of the SSN and DOB mean?  The government gives out Social Security Numbers, which are used for many things.

    Different companies often use the last four digits of your SSN. But these four numbers are essential, and you must keep them safe.

    The amount of money you have paid into Social Security will be one of the factors that the government considers when determining whether you are qualified to receive benefits and how much you are entitled to receive.

    For the vast majority of people, their Social Security number does not change throughout their lives. Only if an individual requires a new one if their identity has been stolen will it change.

    The Social Security Number (SSN) is a nine-digit number that is composed of three components, each of which is often separated from the other by a hyphen:

    Last four digits of SSN and DOB

    Give the last 4 digits of SSN and DOB
    Give the last 4 digits of SSN and DOB

         xxx                       –                xx                          –                xxxx 

    Area number                 Group number                        Serial number 

    The Area Number is composed of the first three numbers in the sequence. The Group Number is the second pair of numbers after the Group Number.

    The last four digits of the Social Security Number form the serial number. This makes it easier to remember the number, as is the fact that a Social Security Number is required for various things besides employment, such as income tax returns, bank accounts, driver’s licenses, and so on.

    Each group of serial numbers is made up of a straight line of numbers from 0001 to 9999. Businesses often ask for your SSN because it makes it easy for them to find you in their system.

    So, your social security number can now tell a lot about you, like where you’ve lived, your credit history, and maybe even if you have any health complications.

    How to know your last four digits of SSN?

    Your Social Security Number’s final four digits also serve as the final four digits of the serial number. Within each cluster, the numbers will progress from the most minor, 0001, to the largest, 9999, in descending order.

    Are the last four digits of SSN public?

    Even though your last four SSN digits are used and shared a lot, they are the most important to protect. If someone asks you, say no. It would help if you never used them as a PIN. 

    Don’t send them through email.

    If a company asks for them as a way to identify you, use something else, like the last four numbers of your cell phone number, instead.

    TPSA says that the best way to protect your number is to keep all nine of them safe, especially the last four. The more people who have your number, the more likely someone will steal your identity. 

    Be safe. Secure your “last four.”

    Are the last four digits of SSN unique?

    Your Social Security number is only genuinely random and unique in the last four digits. The first five numbers on your Social Security card tell you when and where it was made.

    Scammers can determine the first five numbers by determining when you were born and where you live. Most of the time, the last 4 or 5 digits of a person’s social security number can be used legally to check if they are whom they say they are.

    If the recruiter doesn’t pass all of the above tests or shows any other signs of being a scam, you should still wait to give them that information until after your interview.

    Don’t give out your SSN. 1936 was when these numbers began. The first numbers indicated a person’s geographic region. Mid-digits are random.

    Many companies ask for the final four digits of the SSN because they think it makes identity theft less likely. Identity thieves will do anything to steal a person’s identity.

    The last four digits won’t stop them. These numerals can steal your identity. In several states, companies’ SSN use is limited. 

    Why do employers need the last four digits of an SSN and DOB?

    They need it to check your background and credit. They will find out about your finances, where you have worked before if you have a criminal record, and so on.

    Identity theft is a risk in life, and this isn’t risk-free, but I don’t think it’s a more significant risk than applying for most other types of credit.

    Most employers do these checks today, even for low-paying jobs, so you’ll probably have to go through it.

    Should I Give the Last 4 Digits of my SSN to a Job Recruiter?

    Your Social Security number may only be used by your employer, banks and other lending institutions, investment funds, the Internal Revenue Service (IRS), and government-funded programs like workers’ compensation.

    If identity thieves find your Social Security number, it’s easy for them to do the most damage to your finances. They can get credit in your name, steal your money and government benefits, and even get medical care and tax refunds in your name.

    Also, your employer will ask for your SSN when you get a job. With this, the IRS will get a report of your income, and the Social Security Administration will also get a report of your wages for Social Security.

    When you apply for a federal loan or create an account with any financial institution in the United States, you must provide your Social Security number as part of the application process.

    You will be required to provide your Social Security number to obtain a passport, a driver’s license, apply for public assistance, or enroll in Medicare.

    The more people who have your number, the more likely someone will steal your identity. Watch over the last four. Even though the last four digits are the most used and shared, they are also the most important to protect.

    The first five numbers show when and where your Social Security card was issued. The rest of the numbers are completely random and unique.

    Final Thoughts

    The last four digits of a person’s SSN are significant because identity theft can lead to major legal difficulties because of someone else’s actions, should that information fall into the wrong hands.

    Protecting these digits and ensuring they don’t get into the wrong hands is a top priority. Don’t give them out if someone calls or emails you repeatedly seeking personal details, such as your SSN.

    Links for further information:

    https://consumerboomer.com/what-can-a-scammer-do-with-the-last-4-digits-of-your-social/

    https://www.earncheese.com/post/the-last-4-digits-of-your-ssn

    https://www.stilt.com/blog/2021/04/last-4-digits-of-an-ssn/

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