Losing important documents can be hassling, especially if it is something as important as your social security card. Although it is usually advised not to carry around your social security card in your wallet, a lot of people still do it, increasing the chances of losing the card in case their wallet is stolen or lost. However, you may not really need the card itself, but the number on it.
Again, although the card is easily replaceable, here are some important steps to take in the meantime:
– Review and monitor your credit report: If you have registered with any of the credit reporting agencies like Experian, TransUnion or Equifax, alert them about your card being lost and request a credit report as soon as possible so that any fraudulent activity is reported immediately. It is also a good idea to keep a close eye on your credit activities, especially after the card is gone in order to detect any red flags for any signs of fraudulent activity immediately, and take necessary steps accordingly.
– Anti-identity theft: Personal identity numbers and cards like credit cards or bank account details can be reissued with new numbers, except for your Social Security Number, which remains unique to each person. It is due to the uniqueness of the social security number that you might want to consider subscribing to an identity theft protection service immediately. An alert service of this sort can easily be placed via phone or email. This service is useful to keep an eye out for any illegitimate activity using your Social Security Number including creation of new accounts, change in address, name or any other personal information. It is especially very useful when you’re travelling, so that even on the go, you’re in the know about identity theft rather than finding out later.
– Informing all accounts: Inform all financial institutions you have an account with- banks, equities, etc. of the theft or loss of your Social Security Card so that they too ca take preventive measures to prevent anyone else from misusing your identity.
– Replacing your social security card: The last, but important step to take would be to contact social security administration and inform them that the card was stolen and request for a new one.
Once all the crucial steps are taken, routinely monitor all your financial reports for any unusual activities. Consider applying for a credit freeze till a new card is issued so that no lasting damage is done.
There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets.
These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report.
Equifax
Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.
Experian
Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018.
TransUnion
Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud.
So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates.
Did you know that you have more than a single credit score? Agencies calculate your credit score based on the data in your credit reports. If you are wondering, “where to get my credit score?,” there are three main credit reporting agencies. These can have different credit scores for you if your information on each of their credit reports is different. Also, these agencies charge a fee to reveal your credit score.
Recently, it has become easier to track and get hold of your credit score without paying any fees. You can get it from your credit card company, your loan provider, and even from a non-profit counselor. Here are a few tips you can use to check your score.