Top Ways to Protect Yourself from Social Security Scams

Learn how scammers operate, protect your SSN, and defend your identity from fraud

Your Social Security number (SSN) is one of the most valuable pieces of personal information you have. Unfortunately, it’s also a top target for scammers, identity thieves, and cybercriminals who know just how damaging stealing it can be.

Social Security scams have skyrocketed in recent years, with criminals using increasingly sophisticated tactics—fake phone calls, phishing emails, data breaches, and more—to trick people into handing over sensitive information.

In this guide, we’ll break down exactly how these scams work, what tactics to watch out for, and the steps you can take to safeguard your identity, finances, and peace of mind.

How Social Security Scams Work?

Understanding how these scams work is your first line of defense. Here are the most common schemes fraudsters use to get their hands on your Social Security information:

1. Imposter Phone Calls (Vishing)

You get a call from someone claiming to be from the “Social Security Administration.” They may say:

• “Your SSN has been suspended due to suspicious activity.”
• “There’s a warrant for your arrest because of Social Security fraud.”
• “You need to verify your number or face penalties.”

The caller may sound professional, use real names of government officials, or spoof the caller ID to make it look like it’s coming from a real SSA office.

Red Flags:

• Threatening language or urgent demands
• Requests for payment through gift cards, wire transfers, or cryptocurrency
• Asking you to "verify" your full SSN or bank account number

✅ Reminder: The SSA will never call you to threaten, suspend your number, or demand immediate payment.

2. Phishing Emails and Text Messages (Smishing)

You might receive a message that appears to be from SSA, Medicare, or even the IRS, asking you to:

• Click a link to update your information
• Download a file or form
• “Verify” your SSN for security reasons

The links lead to fake websites designed to steal your login info or install malware on your device.

Red Flags:

• Emails or texts with urgent or alarming language
• Misspellings or odd formatting
• Requests to click links or enter personal information

Tip: Always type the website URL manually (e.g., www.ssa.gov) rather than clicking a link in an email or text.

3. Data Breaches and Dark Web Leaks

Even if you’re careful, your SSN may already be exposed through:

• Hacked databases from companies or healthcare providers
• Public records or online job applications
• Malicious apps or websites

Scammers buy this data on the dark web and use it for identity theft, tax refund fraud, and opening new lines of credit in your name.

How to Protect Yourself from Social Security Scams?

The best defense is a proactive one. Here’s what you can do today to secure your Social Security number and personal identity.

1. Don’t Share Your SSN Unless Absolutely Necessary

Ask why your SSN is needed. In many cases, you can refuse or offer an alternative ID.

Common scenarios where SSNs are misused:

• Job applications
• Apartment rentals
• Medical forms
• Online contests or surveys

Top Tip: Never write or send your SSN over email, text, or unsecured web forms.

2. Freeze Your Credit

A credit freeze stops lenders from accessing your credit report. Even if a scammer has your SSN, they won’t be able to open new accounts.

You can place a free freeze at all three major credit bureaus:

• Equifax
• Experian
• TransUnion

Pro Tip: You can lift or thaw the freeze temporarily when applying for loans, jobs, or credit.

3. Set Up a My Social Security Account

Create an account at www.ssa.gov/myaccount before scammers do it for you.

You can:

• Track your Social Security benefits
• Get alerts on suspicious activity
• Prevent someone else from claiming your account

4. Monitor Your Credit and Identity

Check your credit report for suspicious activity using:

• AnnualCreditReport.com (free weekly reports)
• Identity theft protection services (like LifeLock, Aura, or Credit Karma)

Look out for:

• Unknown credit inquiries
• New accounts or loans in your name
• Changes to your personal information

5. Be Cautious About Calls and Emails

Remember:

• The SSA does NOT call, email, or text about problems with your SSN.
• Never share your SSN, passwords, or financial info over the phone or email.
• Use a call-blocking app to stop robocalls and spam.

Top Tip: If you get a suspicious call, hang up. Don’t engage.

6. Secure Your Personal Documents

Shred anything that includes:

• Your full name and SSN
• Bank account numbers
• Medical information
• Pre-approved credit card offers

Also, store documents like your Social Security card, tax returns, and birth certificate in a safe or locked cabinet—never in your wallet.

7. Report Scams Immediately

If you suspect fraud or phishing:

• Report it to the Social Security Office of the Inspector General at oig.ssa.gov
• Call the Fraud Hotline at 1-800-269-0271
• File a report at identitytheft.gov

Early reporting helps minimize the damage and could protect others, too.

What to Do If Your SSN Is Compromised

If you believe your Social Security number has been stolen:

1. Place a credit freeze or fraud alert immediately
2. File an identity theft report at identitytheft.gov
3. Check your Social Security Statement for signs of misuse
4. Contact the IRS if you suspect tax-related identity theft

The sooner you act, the better your chances of stopping long-term damage.

Final Takeaway

Scammers are relentless—but you don’t have to be vulnerable.

Protecting your Social Security number means being skeptical, staying informed, and acting fast when something feels off. Your identity is too valuable to risk.

Spread the word with your family, especially elderly loved ones who are often targeted, and help others stay one step ahead of the scammers.