You will probably delete my comment but yes. Every day, every night. You are talking about data. The primary commodity on the planet right now. Data banks and AI generators are probably paying out the wazoo for every bit or byte of data that is available. It isn't a hack really. It is just transferred data to a new facility. Internet security is limited to one or two people, literally only one person. The smartest person of all. Until someone cyphers that code. This planet gives me headaches.
@@inadad8878 Code does not work that way. I don't know what people are supposed to believe but it is people, very smart people that write code. That includes crypted code for security. Unlucky for the human race, genius is born. That mean the next smartest person easily figures out the crypted code. Technology. The very reason why I got out of writing code. This thing about hacking is false. One person is the best code writer there is. Until the next one comes along. Truth. Always are my comments, deleted, for truth telling....
No. First, the CTO should face jail time. Second, it should be required that you can't open a credit line without showing photo ID. The problem isn't that your public info was leaked. The problem is that someone can use that for taking over your accounts.
Why is it our responsibility to take action for other corporations carelessness? Why don’t the three agencies put a fraud alert (if not a freeze) in place on everyone’s data? We should not have to ask for “extra” security on our data!
That's wishful thinking. If someone breaks into your apartment takes your stuff as it's the landlord's responsibility to close the door. You've got much more invested in this than they do.
Because it’s our information, and unless we do something we are up a creek. I agree it should have been protected, but it wasn’t. Do you want to trust them to make it right?
Someone steals my data, steals money via credit and I'm responsible? I'm responsible for someone else's crime? How is that right? Shouldn't the credit provider be more careful who they loan to?
@@dsmith9572you are correct to feel this way. But it is your data and it is your responsibility to protect it from thieves. Nobody is gonna do it for you. It’s better to be safe than sorry…good luck!
The biggest problem is that the SS number should NOT be used as a form of ID. That is the problem right there. Forbid institutions from asking for it and problem solved.
Just don't allow financial transactions with people who haven't seen your face. Other countries have used public key encryption correctly in order to identify you electronically in a way that's very difficult to hack.
I routinely decline to supply it or leave it blank, with no repercussions. That said, a work manager decided to supply us with information publicly using our last 4 digits of our SS # to ID us.
Agreed. When ever I call into co and they ask me for it, I say "plz give me a different security ID question. I do not feel comfortable giving that to you on a recorded line that can either be hacked or listened to". Legally, they have to allow for a diff q, however, we still have the entire issue w/our ss# being out there on absolutely everything. Even to turn on water. Ridiculous. The water co doesn't know how to keep my data safe. That's the illusion. Absolutely Nothing is safe and cannot be 100% protected & secure.
The government forces you to get a Social Security Number. It has a long history of repeatedly being breached, yet the government continues to use this number. In many cases we don't have a choice. I think it should be a right to use a different form of ID. In addition, I think organizations should not be allowed to use your PII data to identify you in a line. How many times have you been asked your birthday and other information in a crowded line of people?
Right? I have doctors and dentist etc argue they need it on forms for entire family. They say it is in case we don’t pay a bill. Where is the SECURITY in our social security number?! 🤦♀️
No companies should be allowed to store sensitive, valuable data unless they can GUARANTEE it cannot be accessed by those not authorized. National Public Data should be sued out of existence!
The government is just as bad, or arguably worse, at controlling access to sensitive data on American households. Plus, nobody can guarantee access control.
I believe there is already a class action lawsuit in progress against National Public Data. My experience with such things is that it will make the lawyers filthy rich while the real victims get a pitance. I just heard about this massive hack earlier this month, but it took place back in April. Why the delay in telling the public about this? I was just alerted yesterday that my SSN has been found on the dark web! I am furious about this!
It's as if 😅 it's not as if, it definitely is. How often do these politicians and bureaucrats get their identity stolen? We're damned if we do and damned if we don't lol
I just went to one of my credit bureaus, and low and behold. In order for me to freeze my credit I will have to pay a monthly fee. Imagine companies making money on this data hack. To me that is criminal in itself.
Freezing and unfreezing was easy. I froze the accounts years ago since I was living overseas. When we came back, I wanted a loan for a car. For at least one of the credit agencies, I was able to select the dates to unfreeze the account and to re-freeze the account during the same log-in. The biggest hang-up for the entire process was trying to remember the passwords that I set up years ago....
Going from paper records to digital records has reduced the security of your private information in such a dramatic level that it makes no sense to continue with that direction.
That’s the beauty of America! We have a lot of hungry lawyers, so you can bet anything there’s a few thousand attorneys out there researching your question
In the USA, it's because medical insurance is almost always paid by your employer on your behalf. If you're paying yourself, don't give it to them. If you're buying your own insurance, don't give it to the insurance company. Google used the employee IDs instead of SSNs as identifiers for insurance purposes.
Went to a 2nd dr for issue, they didn't help that day(sorry not going to help you here)& 3 days later mail notifies me their computer info was hacked ! I already has Experion on, but 8 months LATER company comes back with offer to " credit report " for me because of THEIR MESS up !!!
Who ever leaked the information is responsible for any and all damages. Any credit card company that gives people access to my account is now responsible for all damages. If I personally did not open the account, then the company that opened the account is responsible. Anything else is a scam by the credit card company.
While I don’t disagree with anything you wrote, sadly the world doesn’t work that way. It’s amazingly wrong, but it is. Protect yourself as best you can. These people (thieves and scammers, data brokers, credit bureaus, and the financial institutions that don’t take responsibility for their own mistakes) are horrible, but condemning them via comments won’t help you if they get their hooks into you.
@@kanenomoja You aren't responsible for fraudulent debts. However, the thing that trips people up is proving they aren't responsible because it is lengthy and time consuming. Also, identity theft is often done by people the victim knows, like a relative opening a credit card as an example. In order to dispute the debt as fraudulent, you put that relative at risk of arrest and imprisonment, because you have to file a police report. Having an identity protection service with a white-glove identity theft resolution service, like life lock, is one way to avoid some of the hassle.
@@brettlaw4346You missed my point. I was reacting to a specific comment. I think you missed that. I’ve had plenty of direct and indirect experience with this issue both as a consumer and as a professional advising mid and large sized businesses on many related issues. And, I (and my comment) agree that people should take advantage of the services you suggest, although not everyone needs or can afford the white-glove tier.
@brettlaw4346 I agree about having an identity protection service. Mine alerted me yesterday that they found my SSN on the dark web. They recommended that I have the 3 credit agencies lock my accounts. They provided the links to each one and made this easy to do. I did it immediately. Now I must create the mySocial Security account ASAP.
Data brokering is a method of moving data. Data collection against user's consent should be illegal. Not all Data broker services are bad because they serve valid functions. Imagine how long your credit check would take without it? Or getting your background check done without it? Let alone the types of folks that might also join your company...don't be so quick to throw the baby out with the bathwater.
I have had IRS PIN a few years. IRS has never automatically issued the new , annual PIN. So, before filing taxes, be sure to log on to the IRS site and follow the steps to get a new, annual PIN.
Have not heard of this Thanks! Why isn’t the news telling us that?! Irs.gov says this though “may get an IP PIN as a proactive step to protect yourself from tax-related identity theft.” It does not say identity theft period.
Are you thinking of the signature PIN? Those were 5 digit and you set them up when filing returns online. This is different. (If it's the same for you, disregard, but maybe this helps someone else because I thought I had already gotten one years ago.)
The froze all three credit report for a few years but when I went to check one of the credit agency was unfrozen. I had to register again to have it frozen again. So check all three accounts every year.
Corporations, govt agencies, etc. can "leak" & "mishandle" our data & not be held responsible but We are on the hook, get the hassle & responsibility of cleaning up their mess?
My credit monitoring service sent me an email that my ssn was seen on the dark web. I have secured my Ssa, IRS account and frozen my credit with all 3 credit agencies.
Keeping Social Security Safe & Secure is the Responsibilty of Government & Loss to the Citizens of Hack to their Data & ASSETS need to be Compensated fully by a Government that has given itself the Right to Print Money at will.🎉
@@raybod1775 Yes they are, in a sense. Make it a year in jail for any CTO that leaks more than 100 records, and five years for more than 10,000 records, and all of a sudden, people will start spending money to make it secure.
I already locked my credit but I've yet to do the IRS pin or the SSA thing. But I will soon. I already have had my SS number appear on the dark web according to my Identity theft protection account. So I'm going to take action. I'm bookmarking this video!! Great info!! Thanks!!
If anyone becomes a victim the DATA Collection agencies should be made LEGALLY responsible for paying you back and doing whatever it takes to stop it from happening again. They know the risks having such data and should be constantly updating their files so they cannot be breached. Like our Government no ACCOUNTABILITY so it doesn't affect them !
The IRS PIN is comforting. I'm glad they are issuing them on request now. After a mid-year incident a few years ago, I tried to get a pin in late summer. However, at that time it was more than just "if you know...". The FBI was involved but that wasn't sufficient for the IRS until the fraudsters actually filed a tax return with my information. At that point (january) I had to work with the IRS to get the fraudulent return cancelled. Luckily they had not yet paid the requested refund. Then for that year I had to 1) show up at an IRS office with multiple forms of government ID, my prior year tax return and at least one utility bill showing my current address; 2) file by paper mail to a special IRS processing center using a PIN provided during my visit to the IRS office. Since then the IRS has sent me a PIN every year and things have been "normal." Thanks for the SocSec tips. Time to do that now... As for locking credit reports, the apps make it much easier to lock and unlock.
Thank you for the info. Go ahead and do the credit freeze. It is not a big deal and can be temporarily turned off easily if you need to open a credit account.
We’ve all had our data stolen so much that there’s nothing new to get. This is the result of having too many accounts with too many passwords. This needs to end.
It's two problems: one, there's no punishment for a corporation leaking your data. Have a data leak make the CTO spend a year in jail and you'd find far fewer leaks happening. Two, there's no secure national ID system. Why not go into the post office with DL or passport, hand them a public key on a USB, and have them certify who it is that owns that key? It's not like we don't have an entire system set up for web sites. Why would it be harder for people?
Twenty years ago I might have been able to understand and follow through with all of the actions to protect my assets. Now it is challenging beyond my capacity. It is sad that our government has seen fit to hire thousands of new IRS agents, but when guidance from Social Security Admin. employees is needed, it is impossible to to talk anyone in person apparently because the SSA is short of employees.
You are kidding aren’t you? You’ve had an overblown Pentagon budget for the past 40 years mainly by Republicans and you are dumping on the IRS? Republicans cut IRS employees staff - Biden through legislation has been able to hire some back in order to go after the rich tax rights. And you are complaining? Something is out of focus here and it ain’t the IRS new hires.
IRS agents can find and collect money from tax dodgers which puts more money into the government's hands to do things, such as hire more humans within the SSA.
@@miker953They won't hire more people for the SSA. Look at it this way - the average amount that IRS finds from audits is $5. How much do you think it costs to pay an agent to do an audit? They lose vast amounts of money doing audits. Do you know who gets audited the most? The taxpayer class with unbelievably high audit rates - five and a half times virtually everyone else - were low-income wage-earners taking the earned income tax credit.
Thank you. I will do ALL of these. In the last two weeks, someone asked me to send them money through my PayPal account, and that someone used my name. I have received numerous texts saying Hi - which you are not supposed to respond to. It all seems to happen during the hours of 2 am - 4 am. So please protect yourself.
If it was a storage facility and they left the doors unlocked at night and someone stole your property, what would happen? You’d be held liable for every loss incurred. When you realize you’ll go bankrupt with negligence, you stop being negligent.
So to get a high level of security on Social Security, it’s a big hassle for me but if a criminal wants to do anything it’s easy. Why don’t they just make it harder to begin with? What ever happened to “Crime doesn’t pay”
Credit Freezes are pretty easy to set up and pretty easy to temporarily clear for loans. Having had my former employer give away the kitchen sink and have my shit everywhere, I have had this for 15 years (or since the made them available). Its totally worth it. Hell, maybe the added step keeps you from buying that BMW when you really wanted a Civic.
The American people shouldn’t be required to do anything it should be the responsibility of the federal government to protect those on social security.
What would should we do about our children's social security numbers? Ones that are too young for a tax return. Should we have an a social security account for their numbers as some sort of protection? Since I would assume they don't have any kind of credit those kind of protections would not be necessary but if there's any other protections for children and their social security numbers before they have any kind of history can you please let us know about that? What about elderly parents such as one with dementia and you have full financial responsibility for them and are you able to create all these protection accounts for them to protect their tax returns and their social security benefits?
Rant: There are currently 3 different login methods for me (or hackers) to get into my SSA account. And forcing me to have one login (e.g. login.gov) for all participating government agencies seems like a forking "great" idea and of course will not lead to catastrophic consequences if the login.gov logins are hacked.
The idea of contacting the SS office is a joke. It is hours of calls waiting for someone to pick up and then when they do they are inept at resolving issues….voice of experience. They are terrible at customer service.
A second Social Security numbers need to be reissued to everyone with a much longer number to access benefits and IRS, make it criminally illegal for anyone outside the government to have access to it.
It's easy to freeze and unfreeze your credit. If you have an online account with each one of the credit bureaus. Yeah I know it sucks. But once you have that you just log in. Click freeze and it's almost instantaneous. You can schedule it to be refrozen at a time of your choosing or you can log back in and freeze. It. Is an online world and you're going to have to interact with it the way they want. Good luck!
You're all missing the actual issue. Since the government requires and issues IDs, then they're the ones who need to be responsible for overseeing any and all safety and protections and it needs to be 100% free of charge. A company shouldn't be able to profit off this or blame the user once it's been reported something is wrong.
if you are a senior like me your SSI has never been secure. the information used to be on everythingits only since about 2000 that anybody ever said anything about it.
Kevin, this very helpful, thanks. I've already got a number of these security measures in place. Couple of questions for you: 1) If we already had these accounts set up (e.g. SSA) you happen to know if passwords for these accounts were compromised and 2) Do you have a protocol or link to a protocol for obtaining and setting up an Identification Pin (IP Pin) from IRS? Thank you for your useful and helpful video.
Government needs to force companies to take accountability. They make money selling our data so they accumulate more than you need for their service & then they are lax with that data. They need to pay each person an immediate $2500 & make up for any additional losses. They force you to do everything online to save them money. You have to freeze each agency separately when they have the capability to share info. If the spent half the money they spend on their overpaid executives on safety, maybe we won’t have these problems.
Maybe just withdraw all your money from your bank and stash it in 5 gallon buckets like my Amish neighbors. They NEVER lose a minutes sleep over data breaches 😱😡. I’m beginning to wonder if all this magical technology is worth the pain and hassle!!
Also go thru ur saved passwords and delete online accounts you don’t need. Sometimes rewards membership from random stores aren’t needed but put ur data at risk!
I went to the SSA website, logged in, then easily set up additional security procedures. The one I opted for is to require a code (PIN) to log in. Once I signed up for it, they are going to send me a letter by US Mail that will give me instructions on how to set up this "additional security procedure." I'm fine with this additional layer of security because all I'm wanting to prevent is someone redirecting my monthly auto-deposit to the criminal's bank. Note: The SSA already has a very secure procedure in place if one wants to redirect their SS payment to a different bank. It includes sending notices via U.S. Mail, email, and SMS; a waiting period (two months) before the change goes into effect; answering security questions, etc. The odds of a criminal getting everything right is near impossible, IMO.
these measures are not so onerous- as compare to the hours of work I put into my savings and retirement funds. Thanks so much for such succinct advice.
Pain in the neck trying to set up an account. I gave it up. Besides, shouldn't they be the ones to contact people whose information has been compromised?
Please speak to how some or all of these measures can be accomplished by American retirees living in foreign countries and more specifically by American retirees living in countries that are under the US's illegal sanctions. For example one item you mention is freezing my credit. I have lived outside the US since 2015 and thus no longer have much of or any credit history. In addition, how can I access the SSA to ask about the SSA's protection measures you mentioned if I am unable to visit an SSA office or call them???
So how can I be on the hook if a criminal defrauds a bank using my social security number? I would expect it to be a huge hassle proving I didn’t receive the money but I can’t see how I’m legally responsible to repay money someone else stole. Wouldn’t they have to prove I took out the loan. It’s not like identity theft is a rare unheard of occurrence.
When I went to the IRS, they let me pick a PIN, they didn't issue it. From my understanding, the PIN will stay the same unless you change it yourself, the IRS isn't going to change it every year?
Its not stolen its sold by your provider then they tell you thier systems been breached and you need to change your password and they do this anyonomisly to cover their own asses.
Already know my numbers got exposed. Got a blackmail email with my name, address and phone number on it. Plus had alerts from the credit bureaus with attempts to open lines of credit. Luckily I keep my credit frozen.
What about others needing to be able to see your credit history (security background check)? Would having credit bureau records frozen get in the way of required security checks?
Or we could go back to not using SSN for identification purposes. The cards use to say that in black and white: "not to be used for identification purposes." If we want to keep using SSN for identification, then it needs to come with a physical chip card and a reader. (Seriously) MFM would go a long way in pushing back against this problem.
It will get worse...our info has been stolen multiple times, not our fault..fault of the employer affiliates.....for several years I pulled 3 credit reports per year on my husband and myself....it gets really old...we purchased identity theft insurance the first time it happened. I think it was better 'before', when we did things in person face to face vs online, etc. Granted thieves can steal paper documents but it's much harder to do so.
Let us sue the crap out of National… they should have cyber security that is top~notch. Also, since they r making money from info, they should pay me/us for profiting from it
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Has anyone been a part of these big hacks?
Ahhhh, everyone?!?!?
You will probably delete my comment but yes. Every day, every night. You are talking about data. The primary commodity on the planet right now. Data banks and AI generators are probably paying out the wazoo for every bit or byte of data that is available. It isn't a hack really. It is just transferred data to a new facility. Internet security is limited to one or two people, literally only one person. The smartest person of all. Until someone cyphers that code. This planet gives me headaches.
No1 should have to do anything. Our credit bureaus should be locking everyone's credit by DEFAULT last 10 years ago
Yes, I found out that my information was stolen during the Social Security hack.
@@inadad8878 Code does not work that way. I don't know what people are supposed to believe but it is people, very smart people that write code. That includes crypted code for security. Unlucky for the human race, genius is born. That mean the next smartest person easily figures out the crypted code. Technology. The very reason why I got out of writing code. This thing about hacking is false. One person is the best code writer there is. Until the next one comes along. Truth. Always are my comments, deleted, for truth telling....
Companies that allow a data hack, should provide LIFETIME credit monitoring, not just a COUPLE of years.
Social Security just had a hack. Millions of people had their data stolen including mine. They aren't doing anything about it, either.
CORRECT,... like the US Government only gives an Employee up to 5 years of credit monitoring.
No. First, the CTO should face jail time. Second, it should be required that you can't open a credit line without showing photo ID. The problem isn't that your public info was leaked. The problem is that someone can use that for taking over your accounts.
Agreed!
Or the credit system shall cease to exist
Why is it our responsibility to take action for other corporations carelessness? Why don’t the three agencies put a fraud alert (if not a freeze) in place on everyone’s data? We should not have to ask for “extra” security on our data!
That's wishful thinking. If someone breaks into your apartment takes your stuff as it's the landlord's responsibility to close the door. You've got much more invested in this than they do.
Because it’s our information, and unless we do something we are up a creek. I agree it should have been protected, but it wasn’t. Do you want to trust them to make it right?
Someone steals my data, steals money via credit and I'm responsible? I'm responsible for someone else's crime? How is that right? Shouldn't the credit provider be more careful who they loan to?
@@nnonotnow except it isnt my apartment, it is a government controlled apartment, that is supposed to provide the security.
@@dsmith9572you are correct to feel this way. But it is your data and it is your responsibility to protect it from thieves. Nobody is gonna do it for you. It’s better to be safe than sorry…good luck!
The biggest problem is that the SS number should NOT be used as a form of ID. That is the problem right there. Forbid institutions from asking for it and problem solved.
Just don't allow financial transactions with people who haven't seen your face. Other countries have used public key encryption correctly in order to identify you electronically in a way that's very difficult to hack.
I routinely decline to supply it or leave it blank, with no repercussions. That said, a work manager decided to supply us with information publicly using our last 4 digits of our SS # to ID us.
Agreed. When ever I call into co and they ask me for it, I say "plz give me a different security ID question. I do not feel comfortable giving that to you on a recorded line that can either be hacked or listened to".
Legally, they have to allow for a diff q, however, we still have the entire issue w/our ss# being out there on absolutely everything. Even to turn on water.
Ridiculous.
The water co doesn't know how to keep my data safe.
That's the illusion.
Absolutely Nothing is safe and cannot be 100% protected & secure.
The government forces you to get a Social Security Number. It has a long history of repeatedly being breached, yet the government continues to use this number. In many cases we don't have a choice. I think it should be a right to use a different form of ID. In addition, I think organizations should not be allowed to use your PII data to identify you in a line. How many times have you been asked your birthday and other information in a crowded line of people?
Right? I have doctors and dentist etc argue they need it on forms for entire family. They say it is in case we don’t pay a bill. Where is the SECURITY in our social security number?! 🤦♀️
Providing SSNs to data brokers should be a felony.
Uhm, it is.
Charges/Lawsuit has to be pressed/litigation (filed)
@@PoM-MoMthey hide behind LLC's,hard to pierce that protection.
@@YosimetySam
I know what LLC is but Can you please explain "they hide behind LLC".
No companies should be allowed to store sensitive, valuable data unless they can GUARANTEE it cannot be accessed by those not authorized. National Public Data should be sued out of existence!
The government is just as bad, or arguably worse, at controlling access to sensitive data on American households. Plus, nobody can guarantee access control.
All personal data needs to encrypted and people with access to that data criminally liable.
I believe there is already a class action lawsuit in progress against National Public Data. My experience with such things is that it will make the lawyers filthy rich while the real victims get a pitance. I just heard about this massive hack earlier this month, but it took place back in April. Why the delay in telling the public about this? I was just alerted yesterday that my SSN has been found on the dark web! I am furious about this!
Tell all that to the Social Security Administration. Millions of people just had their data stolen including me. They aren't doing anything about it.
CTOs need to face jail time for data leaks.
By default, all three credit reports should be frozen/locked. It's as if they want our identity stolen.
It's as if 😅 it's not as if, it definitely is. How often do these politicians and bureaucrats get their identity stolen? We're damned if we do and damned if we don't lol
they do and are purposely creating this chaos to lead to more controls such as a digital currency and physical implant
I just went to one of my credit bureaus, and low and behold. In order for me to freeze my credit I will have to pay a monthly fee. Imagine companies making money on this data hack. To me that is criminal in itself.
It’s as if the government wants a NWO.
@@mikehawk7307 you do not have to pay a fee. Its free. You should get a pin in the mail
Freezing and unfreezing was easy. I froze the accounts years ago since I was living overseas. When we came back, I wanted a loan for a car. For at least one of the credit agencies, I was able to select the dates to unfreeze the account and to re-freeze the account during the same log-in. The biggest hang-up for the entire process was trying to remember the passwords that I set up years ago....
Going from paper records to digital records has reduced the security of your private information in such a dramatic level that it makes no sense to continue with that direction.
Why are we held accountable? It should be the business that allowed the theft.
The CEO of Equimax got of scott fee and had a nice bonus on the way out the door.
Why can’t we do a class action lawsuit against national public data?
That's fine but it won't get your money back
That’s the beauty of America! We have a lot of hungry lawyers, so you can bet anything there’s a few thousand attorneys out there researching your question
Class action gets you 5$ bucks
I think you can 🎉
@@JoseyWilds I don't give a $hit if I get 5 cents. Just make those bastards pay for mishandling our data.
Medical providers always want your SS number. I ask them “ why ,are you going to pay my taxes?”
😅😅😅😅
In the USA, it's because medical insurance is almost always paid by your employer on your behalf. If you're paying yourself, don't give it to them. If you're buying your own insurance, don't give it to the insurance company. Google used the employee IDs instead of SSNs as identifiers for insurance purposes.
I leave that blank, and nobody says a word.
@@marybrown7203Me too! They already have it in their system anyways when you first started seeing them so they don't really need it!.
Went to a 2nd dr for issue, they didn't help that day(sorry not going to help you here)& 3 days later mail notifies me their computer info was hacked ! I already has Experion on, but 8 months LATER company comes back with offer to " credit report " for me because of THEIR MESS up !!!
Who ever leaked the information is responsible for any and all damages. Any credit card company that gives people access to my account is now responsible for all damages. If I personally did not open the account, then the company that opened the account is responsible. Anything else is a scam by the credit card company.
While I don’t disagree with anything you wrote, sadly the world doesn’t work that way. It’s amazingly wrong, but it is.
Protect yourself as best you can. These people (thieves and scammers, data brokers, credit bureaus, and the financial institutions that don’t take responsibility for their own mistakes) are horrible, but condemning them via comments won’t help you if they get their hooks into you.
@@kanenomoja You aren't responsible for fraudulent debts. However, the thing that trips people up is proving they aren't responsible because it is lengthy and time consuming. Also, identity theft is often done by people the victim knows, like a relative opening a credit card as an example. In order to dispute the debt as fraudulent, you put that relative at risk of arrest and imprisonment, because you have to file a police report. Having an identity protection service with a white-glove identity theft resolution service, like life lock, is one way to avoid some of the hassle.
@@brettlaw4346You missed my point. I was reacting to a specific comment. I think you missed that.
I’ve had plenty of direct and indirect experience with this issue both as a consumer and as a professional advising mid and large sized businesses on many related issues.
And, I (and my comment) agree that people should take advantage of the services you suggest, although not everyone needs or can afford the white-glove tier.
@brettlaw4346 I agree about having an identity protection service. Mine alerted me yesterday that they found my SSN on the dark web. They recommended that I have the 3 credit agencies lock my accounts. They provided the links to each one and made this easy to do. I did it immediately. Now I must create the mySocial Security account ASAP.
@@brettlaw4346- And what happens when LifeLock is hacked?
Brokering data should be illegal.
Data brokering is a method of moving data. Data collection against user's consent should be illegal.
Not all Data broker services are bad because they serve valid functions. Imagine how long your credit check would take without it? Or getting your background check done without it? Let alone the types of folks that might also join your company...don't be so quick to throw the baby out with the bathwater.
Way too late for that!
@@nnonotnow it is not too late. It could be changed if there was the will to do so.
Too many politicians get rich on the backend to ever stop it.
The government would have to give a damn and that's not going to happen.
I have had IRS PIN a few years. IRS has never automatically issued the new , annual PIN. So, before filing taxes, be sure to log on to the IRS site and follow the steps to get a new, annual PIN.
Have not heard of this Thanks! Why isn’t the news telling us that?! Irs.gov says this though “may get an IP PIN as a proactive step to protect yourself from tax-related identity theft.” It does not say identity theft period.
Are you thinking of the signature PIN? Those were 5 digit and you set them up when filing returns online. This is different. (If it's the same for you, disregard, but maybe this helps someone else because I thought I had already gotten one years ago.)
The froze all three credit report for a few years but when I went to check one of the credit agency was unfrozen. I had to register again to have it frozen again. So check all three accounts every year.
A freeze is only good for a year no matter which agency all three are the same
Corporations, govt agencies, etc. can "leak" & "mishandle" our data & not be held responsible but We are on the hook, get the hassle & responsibility of cleaning up their mess?
I was notified that I was part of that breach just this morning.
My credit monitoring service sent me an email that my ssn was seen on the dark web. I have secured my Ssa, IRS account and frozen my credit with all 3 credit agencies.
Also put an alert on Chexsystems. I dont know why ppl don't talk about this one!
Keeping Social Security Safe & Secure is the Responsibilty of Government & Loss to the Citizens of Hack to their Data & ASSETS need to be Compensated fully by a Government that has given itself the Right to Print Money at will.🎉
Government is not responsible for what private companies screw up.
@@raybod1775 Yes they are, in a sense. Make it a year in jail for any CTO that leaks more than 100 records, and five years for more than 10,000 records, and all of a sudden, people will start spending money to make it secure.
I am glad TH-cam suggested this video. This guy is fantastic. Clear and succinct and covers all the bases.
I placed a freeze on my credit 20 years ago and have had NO regrets!
I already locked my credit but I've yet to do the IRS pin or the SSA thing. But I will soon. I already have had my SS number appear on the dark web according to my Identity theft protection account. So I'm going to take action. I'm bookmarking this video!! Great info!! Thanks!!
If anyone becomes a victim the DATA Collection agencies should be made LEGALLY responsible for paying you back and doing whatever it takes to stop it from happening again. They know the risks having such data and should be constantly updating their files so they cannot be breached. Like our Government no ACCOUNTABILITY so it doesn't affect them !
This video is better than any of the advice I have seen on the news. The only thing they say is to freeze your credit. Very good info.
Here's a tip to prevent tax refund theft: OWE the IRS money.
Actually a good point there!🎉
My thought exactly. Under pay slightly so as not to trigger any penalties.
Been hacked many times, all great advice & have done many of these, please share with many of your family & friends
The IRS PIN is comforting. I'm glad they are issuing them on request now. After a mid-year incident a few years ago, I tried to get a pin in late summer. However, at that time it was more than just "if you know...". The FBI was involved but that wasn't sufficient for the IRS until the fraudsters actually filed a tax return with my information. At that point (january) I had to work with the IRS to get the fraudulent return cancelled. Luckily they had not yet paid the requested refund. Then for that year I had to 1) show up at an IRS office with multiple forms of government ID, my prior year tax return and at least one utility bill showing my current address; 2) file by paper mail to a special IRS processing center using a PIN provided during my visit to the IRS office. Since then the IRS has sent me a PIN every year and things have been "normal."
Thanks for the SocSec tips. Time to do that now... As for locking credit reports, the apps make it much easier to lock and unlock.
Sorry you had to go through this. Hopefully these tips and some recent changes will help head off the issue for others.
Which “apps” make it easier? And are ‘They’ not also potentially hackable?
@@eugeniebreida1583 The three credit bureaus each have their own app. Sure, in theory anything using a CPU is hackable.
I created one. Took only click after logging in. Anyway, it is only once per year thing.
I got it too *6 months ago Called IDme
Not just IRS but now
my social security as well
Personal data should not be farmed in anyway! And should not be sold like used cars!
It is so easy to freeze and lift the freeze on your credit. We did it for our daughter a few weeks ago and it is even simpler than when we did it.
Great to hear! Thanks for sharing.
Social Security will be a MAJOR hassle. Fewer offices open and far away and fewer employees.
IRS PIN took me a whopping 3 minutes online... Actually one of the simplest things I have done with the IRS over 50 years.
😂😂😂 TY for the encouragement!
Thank you for the info. Go ahead and do the credit freeze. It is not a big deal and can be temporarily turned off easily if you need to open a credit account.
We’ve all had our data stolen so much that there’s nothing new to get. This is the result of having too many accounts with too many passwords. This needs to end.
The most recent hack had nothing to do with passwords. But I agree we have too many.
It's two problems: one, there's no punishment for a corporation leaking your data. Have a data leak make the CTO spend a year in jail and you'd find far fewer leaks happening. Two, there's no secure national ID system. Why not go into the post office with DL or passport, hand them a public key on a USB, and have them certify who it is that owns that key? It's not like we don't have an entire system set up for web sites. Why would it be harder for people?
Twenty years ago I might have been able to understand and follow through with all of the actions to protect my assets. Now it is challenging beyond my capacity.
It is sad that our government has seen fit to hire thousands of new IRS agents, but when guidance from Social Security Admin. employees is needed, it is impossible to to talk anyone in person apparently because the SSA is short of employees.
You are kidding aren’t you? You’ve had an overblown Pentagon budget for the past 40 years mainly by Republicans and you are dumping on the IRS? Republicans cut IRS employees staff - Biden through legislation has been able to hire some back in order to go after the rich tax rights. And you are complaining? Something is out of focus here and it ain’t the IRS new hires.
IRS agents can find and collect money from tax dodgers which puts more money into the government's hands to do things, such as hire more humans within the SSA.
@@miker953They won't hire more people for the SSA. Look at it this way - the average amount that IRS finds from audits is $5. How much do you think it costs to pay an agent to do an audit? They lose vast amounts of money doing audits. Do you know who gets audited the most? The taxpayer class with unbelievably high audit rates - five and a half times virtually everyone else - were low-income wage-earners taking the earned income tax credit.
Thankyou for informing us in what we can do to protect ourselves 😃
Thank you. I will do ALL of these. In the last two weeks, someone asked me to send them money through my PayPal account, and that someone used my name. I have received numerous texts saying Hi - which you are not supposed to respond to. It all seems to happen during the hours of 2 am - 4 am. So please protect yourself.
If it was a storage facility and they left the doors unlocked at night and someone stole your property, what would happen? You’d be held liable for every loss incurred. When you realize you’ll go bankrupt with negligence, you stop being negligent.
Make these data brokers liable for damages and they will either leave the industry or spend the money to secure their systems.
A year in jail for the CTO for each 1000 records leaked.
I have added a block to my Social Security information. Thank you for the great advice.
How? Were you able to do it online?
Great information. I'm sharing this with family and friends. Thank you 🙂
Excellent video, Kevin! To the point and concise…
So to get a high level of security on Social Security, it’s a big hassle for me but if a criminal wants to do anything it’s easy. Why don’t they just make it harder to begin with? What ever happened to “Crime doesn’t pay”
LOL.Politicians would never allow that.
When enough politicians have their accounts hacked, maybe a law will get passed.
and...once again there is no accountability--how about we all just say NO
Say NO to whom?
Credit Freezes are pretty easy to set up and pretty easy to temporarily clear for loans. Having had my former employer give away the kitchen sink and have my shit everywhere, I have had this for 15 years (or since the made them available). Its totally worth it. Hell, maybe the added step keeps you from buying that BMW when you really wanted a Civic.
Thank you.
The American people shouldn’t be required to do anything it should be the responsibility of the federal government to protect those on social security.
What would should we do about our children's social security numbers? Ones that are too young for a tax return. Should we have an a social security account for their numbers as some sort of protection? Since I would assume they don't have any kind of credit those kind of protections would not be necessary but if there's any other protections for children and their social security numbers before they have any kind of history can you please let us know about that? What about elderly parents such as one with dementia and you have full financial responsibility for them and are you able to create all these protection accounts for them to protect their tax returns and their social security benefits?
Rant: There are currently 3 different login methods for me (or hackers) to get into my SSA account. And forcing me to have one login (e.g. login.gov) for all participating government agencies seems like a forking "great" idea and of course will not lead to catastrophic consequences if the login.gov logins are hacked.
Thanks so much for this information.
Recent data hack? They have known for months!
The idea of contacting the SS office is a joke. It is hours of calls waiting for someone to pick up and then when they do they are inept at resolving issues….voice of experience. They are terrible at customer service.
A second Social Security numbers need to be reissued to everyone with a much longer number to access benefits and IRS, make it criminally illegal for anyone outside the government to have access to it.
It's easy to freeze and unfreeze your credit. If you have an online account with each one of the credit bureaus. Yeah I know it sucks. But once you have that you just log in. Click freeze and it's almost instantaneous. You can schedule it to be refrozen at a time of your choosing or you can log back in and freeze. It. Is an online world and you're going to have to interact with it the way they want. Good luck!
You're all missing the actual issue.
Since the government requires and issues IDs, then they're the ones who need to be responsible for overseeing any and all safety and protections and it needs to be 100% free of charge.
A company shouldn't be able to profit off this or blame the user once it's been reported something is wrong.
So WHO's responsible for this leak?
Thank you sir for all the information, my information was hack in the big data breach, piss me off.
if you are a senior like me your SSI has never been secure. the information used to be on everythingits only since about 2000 that anybody ever said anything about it.
Why hasn’t anyone told us what database was breached? It’s beyond annoying… It’s become bullshit!!
Silly question. If this happened in ap, why is it we're just hearing about it in AUGUST?
The stuff just started to hit the fan recently; I was notified by my credit card company.
It isn't a silly question. That is a completely legitimate question and deserves an actual answer.
The problem isn't the digital age, it is the rampant criminality
Kevin, this very helpful, thanks. I've already got a number of these security measures in place. Couple of questions for you: 1) If we already had these accounts set up (e.g. SSA) you happen to know if passwords for these accounts were compromised and 2) Do you have a protocol or link to a protocol for obtaining and setting up an Identification Pin (IP Pin) from IRS? Thank you for your useful and helpful video.
Government needs to force companies to take accountability. They make money selling our data so they accumulate more than you need for their service & then they are lax with that data. They need to pay each person an immediate $2500 & make up for any additional losses. They force you to do everything online to save them money. You have to freeze each agency separately when they have the capability to share info. If the spent half the money they spend on their overpaid executives on safety, maybe we won’t have these problems.
Maybe just withdraw all your money from your bank and stash it in 5 gallon buckets like my Amish neighbors. They NEVER lose a minutes sleep over data breaches 😱😡. I’m beginning to wonder if all this magical technology is worth the pain and hassle!!
Thank you very much, Kevin.
Also go thru ur saved passwords and delete online accounts you don’t need.
Sometimes rewards membership from random stores aren’t needed but put ur data at risk!
I went to the SSA website, logged in, then easily set up additional security procedures. The one I opted for is to require a code (PIN) to log in. Once I signed up for it, they are going to send me a letter by US Mail that will give me instructions on how to set up this "additional security procedure."
I'm fine with this additional layer of security because all I'm wanting to prevent is someone redirecting my monthly auto-deposit to the criminal's bank.
Note: The SSA already has a very secure procedure in place if one wants to redirect their SS payment to a different bank. It includes sending notices via U.S. Mail, email, and SMS; a waiting period (two months) before the change goes into effect; answering security questions, etc. The odds of a criminal getting everything right is near impossible, IMO.
Thank you
Thanks for the wise advice, Kevin.
Thanks for this info Kevin, I will look into this right away because I want to decrease the likelihood of being hacked…new subscriber.
Thanks, Glenn!
Thank you Kevin!!!! Appreciate your expertise and great content.
My pleasure!
@8:00 is some invaluable information.
I don't recall giving anyone permission to collect all my personal data, and make a financial profit!
Thanks. This is helpful.
these measures are not so onerous- as compare to the hours of work I put into my savings and retirement funds. Thanks so much for such succinct advice.
It should be illegal for companies to hold and sale out personal information. That would eliminate all of these problems.
Pain in the neck trying to set up an account. I gave it up. Besides, shouldn't they be the ones to contact people whose information has been compromised?
Please speak to how some or all of these measures can be accomplished by American retirees living in foreign countries and more specifically by American retirees living in countries that are under the US's illegal sanctions. For example one item you mention is freezing my credit. I have lived outside the US since 2015 and thus no longer have much of or any credit history. In addition, how can I access the SSA to ask about the SSA's protection measures you mentioned if I am unable to visit an SSA office or call them???
So how can I be on the hook if a criminal defrauds a bank using my social security number? I would expect it to be a huge hassle proving I didn’t receive the money but I can’t see how I’m legally responsible to repay money someone else stole. Wouldn’t they have to prove I took out the loan. It’s not like identity theft is a rare unheard of occurrence.
Yes, you can get out of it - but it’s a huge hassle.
I froze all three credit bureaus, I thought it was quick and easy. No reason not to do it.
When I went to the IRS, they let me pick a PIN, they didn't issue it. From my understanding, the PIN will stay the same unless you change it yourself, the IRS isn't going to change it every year?
l have one of those IRS pin numbers. A fraudulent return was filed over a decade ago. l have also frozen my credit.
Its not stolen its sold by your provider then they tell you thier systems been breached and you need to change your password and they do this anyonomisly to cover their own asses.
If you want to protect yourself, good luck on that. This is going on everywhere now. It's a losing thing for most people!
Already know my numbers got exposed. Got a blackmail email with my name, address and phone number on it. Plus had alerts from the credit bureaus with attempts to open lines of credit. Luckily I keep my credit frozen.
These companies should be sued for the data hacks!!!!
What about others needing to be able to see your credit history (security background check)? Would having credit bureau records frozen get in the way of required security checks?
What prevents the hackers from unfreezing credit?
E services block sounds great to me.
The internet wasn’t such a good idea
Again! Three times while employed with the USG and now this!
“Enable the latest security measures. “ AND THOSE ARE?
How to freeze your credit?
Or we could go back to not using SSN for identification purposes. The cards use to say that in black and white: "not to be used for identification purposes." If we want to keep using SSN for identification, then it needs to come with a physical chip card and a reader. (Seriously) MFM would go a long way in pushing back against this problem.
It will get worse...our info has been stolen multiple times, not our fault..fault of the employer affiliates.....for several years I pulled 3 credit reports per year on my husband and myself....it gets really old...we purchased identity theft insurance the first time it happened. I think it was better 'before', when we did things in person face to face vs online, etc. Granted thieves can steal paper documents but it's much harder to do so.
They make it such a PITA to protect yourself. But, the thieves traipse right through the safety nets.
This post just earned you a new subscriber...Me!🎉
Let us sue the crap out of National… they should have cyber security that is top~notch. Also, since they r making money from info, they should pay me/us for profiting from it
I have a question about go to froze the credit score, do we go all three sources that you mention or just one ?
All 3
What exactly are the " latest secirity measures" i need to enable on my social security account?
I called yesterday and was told it would be a 2 hour wate to s