So Americans have a number that was never intended to be used for identification, but they give it to everyone to prove who they are... And if the wrong person gets it they are fucked? Is that right? Because it feels wrong, but that is my understanding of it.
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Keep your credit locked at the top 3 credit reporting companies and you're magnitudes more safe. Only inconvenience is needing to temporarily unlock your credit when applying for a new card or loan, but it's a minor downside for a massive upside of making it nearly impossible for someone to take out a new line of credit in your name.
Some of the credit companies try to trick you into paying a subscription to lock/freeze your credit. It is free at every single one, don't give them a single cent.
Your understanding is accurate.
Go ahead, steal my identity. It's worthless anyway.
Honestly, we need to replace social security numbers if we insist on using them as a form of identification (they never were designed for this); they follow a pattern (which is publicly available) and can be partially predicted without knowing too much about the individual. They were originally for Social Security only (hence their name), but then the IRS decided to use them for ID and then others followed suit, and we got to where we are now
We don't insist on using them as identification. Insurers, credit companies, and other business interests used them as identifiers and then tried to magically make them secret for some stupid reason that probably involved saving them money.
SSNs are just a string of numbers. My college test scores were posted by SSN in the mid 90s before the credit companies started to pretend they were secret, because it was an easy way to make them visible without posting people's names. It also helped avoid confusion when two people had the same name.
Some company having access to SSNs should NOT be important in any way. It is, but only because of credit and other companies treating it like a national secret.
It’s an example of how being efficient and being lazy are sometimes just perspectives.
So National Public Data is going to be held accountable?
Right?
Right?
I can immediately imagine the Anakin 4-panel in my head.
Lol again?