Beruflich Dokumente
Kultur Dokumente
SECURITY NUMBER
GUIDE
Copyright 2012
TABLE OF CONTENTS
INTRODUCTION
PART ONE
SECTION ONE
How To Understand Your Credit
Report And Detect If Your Social
Security Number Is Being Used
SECTION TWO
How To Apply For Your Second
Social Security Number
PART TWO
SECTION ONE
How To Receive And Properly Use
Your Third Number Option
SECTION TWO
Forms Necessary To Apply For An
Employer Identification Number And
Taxpayer Identification Number
PAGE 2
PAGE 3
PAGE 13
PAGE 21
PAGE 27
PART THREE
Forms Useful In Disputing
Negative Credit
PAGE 33
PART FOUR
Complimentary Listing Of Over
100 Bank, Retail, & Gas
Credit Companies
PAGE 47
When Kevin and Mary were newlyweds, they went through rough times
and had trouble paying their bills. They received many credit card offers and
quickly succumbed to the allure of easy credit. Kevin and Mary wanted to buy
more things than they could afford and charging was an easy way of getting what
they wanted. Years later, Kevin was forced to take a pay cut and the couples
income was severely cut. With too much credit card debt and a lower monthly
income, Kevin and Mary again experienced difficulty paying their bills. Soon their
financial trouble became serious. However, with the help of Consumer Credit
Counseling Service (CCCS) , Kevin and Mary were eventually able to recover
from their money problems and pay off their debts. CCCS is a national nonprofit
organization with local chapters around the country that help consumers in
financial difficulty.
Kevin and Mary's credit histories were seriously damaged but they wanted
to buy a home; in order to do so they needed to rebuild their credit. As part of
their rebuilding process, they requested copies of their credit report from each of
the big three credit bureaus. This was done in order to correct and identify any
problems in their credit files. However, early in the process they became
frustrated because of inaccurate information. Mary and Kevin were successful in
getting the errors deleted from their credit file but often the misinformation would
reappear.
This couple's problems are not unusual. Many consumers ruin their credit
by taking on more debt than they can handle. As a result, they must face the
challenge of correcting any problems in their credit records and rebuilding their
credit in order to borrow money at reasonable termsa process that can take
years. You are responsible for your credit record problems, but not responsible
for misinformation. Perhaps the misinformation results from debts which were
paid but are listed as unpaid. Many consumers learn that addressing credit record
problems sometimes requires patience and perseverance. Within this booklet you
will learn how to correct credit record errors and inaccuracies and how to deal
with credit record omissions. You will also find out how to request your 2nd Social
Security Number. The story that you've just read is only one scenario that may
result in a request for a 2 nd Social Security Number, but the reasons for
requesting are as many as their are stars in the sky. Many consumers feel disadvantaged or subjected to negative economical or personal hardship- due to
their credit file being tied to their Social Security Number. They are unable to
obtain credit and for that reason we have devised a simple set of guidelines to
use in your petition for a 2nd Social Security Number which can accommodate any
situation.
No firm number exists to show the percentage of credit files that have
problems. During the early 1990's, estimates ran as high as 50% but given
industry efforts to reduce that rate, the percentage is probably lower today. In
addition, some of the amendments to the FCRA are intended to further reduce
the incidence of credit record problems. Realistically however, given that the
industry collects more than 2.5 billion pieces of credit-related information each
month and generates more than 600 million credit reports on close to
200 million consumers every year, there are bound to be errors in some credit
files. Credit bureaus do make mistakes. Also, sometimes creditors and other
information providers give credit bureaus incorrect information. Therefore, to
protect yourself, read your credit report carefully! We have supplied you with
some tools to assist you with this sometimes frustrating and confusing task which
will make it simpler.
PART ONE
SECTION ONE
Written Statement
If a credit bureau notifies you that the information you are disputing is
correct, they must tell you about your fourth option. Prepare a written statement
of no more than 100 words to dispute the information which can be put into your
credit file. Use the statement to explain why you believe the information in your
credit file is in error. By law your statement must become a permanent part of
your credit file and must be provided to anyone who reviews your credit record. If
you need help writing your statement, FCRA requires that credit reporting
agencies make a staff person available to assist you.
Consumer ID Number
Experian gives each consumer an ID number that's at the top of the first
page of the sample report. Use this number if you have to call or write Experian
about information in your credit report.
Credit History
Like the credit reports of Trans Union and Equifax, Experian's begins with
your credit history. Credit history information is presented under two headings,
Account and Description. The accounts under the first heading are listed in
alphabetical order and includes an address and an account number for each. The
descriptive information is to the right of the account name, address, and number.
It includes the date the account was opened, its terms of payment, who has
contractual responsibility for paying the account, the account's credit limit, and its
high balance.
If the account is a bank loan, the descriptive information includes the date
the loan was taken out, the terms of the loan (number of years to pay it off), who
has responsibility for the loan payments, and the original amount of the loan.
Inquiries
The inquiries section of the Experian credit report, "Your Credit History
Was Reviewed By", follows the credit history section. It lists the names and
addresses of companies that asked to review your credit history, the date of the
rrequest, and the reason for the request. Experian, alone of the big three
bureaus, provides detailed information regarding inquires.
Identification Information
The last part of the Experian credit report presents your personal
identification information. This section begins by listing your name, address,
Social Security number, date of birth, and name of your spouse this is information
that you provided Experian when you requested a copy of your credit report.
There is also additional identifying information about you provided by Experian's
subscribers. That information includes your driver's license number, current and
former addresses, and employer information.
Identifying Information
Your name, Social Security Number, current address and any former
address reported, your birth date, and your phone number will appear close to the
top of your Trans Union Credit report. Information on your current and former
employers may also appear here, although there is no such information on the
sample report.
Credit History
Your history with creditors who report to Trans Union follow the identifying
information. Account information is presented under a series of headings. To the
far left under these headings is the name of the creditor reporting to Trans Union
and below that, your account number. The series of numbers and letters to the
immediate right of each creditor's name represents a creditor's subscriber code;
you do not need to be concerned with these codes.
Below your account number is series of letters or codes indicating whose
responsibility it is to pay the account. Trans Union uses nine different letters.
Reading the sample credit report, you will note that most of the accounts are
designated as "I", or individual accounts. On this same line there may also be
information regarding any collateral that was used to secure the credit. For
example, on the same credit report, you'll note that the Frost Bank Loan for
$14,400.00 was secured with a piece of real estate, "lot 3A amended plat."
On the same line as the creditor's name but to the right is the date the
account was opened, the most ever owed on the account, and the date that the
credit information on the account was reported to Trans Union. Following that
date is a letter (C, F, P, A, or V), which designates the status of the account such
as closed, written off or paid off. Below that block of information is the credit limit
for the account and the date the account was closed, if applicable. Looking at the
Wells Fargo account on the sample credit report, you will see that the account
credit limit was $3,000.00 and that the account was closed in 7/93.
If you continue reading to the right, the block of information labeled,
present status shows the account balance as of the date the account information
was verified by Trans Union or the account was closed, and any past due amount
as of the same date. Below that information is delinquency, the dollar amount of
that delinquency, and how the account was being paid at the time of the
delinquency.
Finally, below the delinquency information may be information describing
the kind of credit the account represents, for example: credit card, real estate, or
automobile, boat, or personal loan.
The next large block of information to the right, "Payment Pattern" provides
detailed payment history information for each account in your report. Up to 24
months' worth of information is provided. Read the symbols in this section from
left to right. The most current information is to the far left of the top line. You will
see either a number or Xs as you read. A 1 means that your account payment
that month was on time; 2 through 8 indicate different degrees of lateness; X
means that no information was provided by the creditor for that particular month.
An explanation appears on the reverse side of the very last page of your Trans
Union credit report explaining what each number means. The explanations will be
under the heading: MOP Current Manner of Payment.
The final block of information to the far right of the Trans Union report
indicates the account type and current method of payment (MOP). Types of
accounts include revolving, open, installment, mortgage, and so on. Current
method of payment reflects the timeliness of the payments you make on an
account. Most of the accounts on the sample credit report are revolving (R) and
are paid within 30 days (01).
The very bottom line of information for each account presents
miscellaneous additional remarks about the account, for example: that account
information is being disputed. There are no miscellaneous additional remarks in
the sample credit report.
Inquiries
This information follows the credit history section of the Trans Union
report. Like the reports of the other credit reporting agencies, the inquiries section
shows who has made an inquiry regarding your credit report and the date of each
inquiry. The designation "Consum Disci" in the sample report indicates that the
consumer requested a copy of his or her own report.
Following the inquiries is a list of the companies to whom Trans Union
provided the consumer's name and address, so the companies could offer the
consumer credit insurance, and the dates the information was provided. The
sample report shows that Trans Union provided such information six times from
9/96 to 1/97.
Public Record
The public record section of the Trans Union report presents the usual
information on any applicable liens, bankruptcies, or judgments.
The words End of Credit Report designate the final page of the Trans
Union report. Immediately following these words are the addresses and phone
numbers of the credit bureaus affiliated with Trans Union that generated the
report. On this report it is Sarma Central Texas in San Antonio. Contact the office
listed here if you have any questions about the information in your Trans Union
Credit report.
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PART ONE
SECTION TWO
PREFACE
PART ONE, SECTION TWO
According to the Social Security Administration any individual who feels that their
current social security number is causing them to be "disadvantaged and/or subjected
to negative personal or economic problems or hardships" is entitled to request a new
social security number. These are very broad guidelines and below we have listed some
additional reasons for which you may be approved for a new social security number. The
information contained herein has been created and copyrighted by Primary Source. We
guarantee that the information contained in this manual is 100% factual and that it's
produced but not fully disseminated by the Social Security Administration. Your local
social security administration branch manager views each case individually and judges
each case on its own merit and how it fits within the parameters of the guidelines for
approving requests for 2nd social security numbers.
Please note that the reasons for which you may be approved are in no way limited to the
following:
NOTE: PLEASE US E TH E "R EQUEST FOR SOCIAL S ECURITY
STATEMENT" FOUND ON THE FOLLOWING PAGE TO CHECK IF THE
SOCIAL SECURITY ADMINISTRATION HAS MIXED TOGETHER YOUR
EARNING RECORDS WITH SOMEONE ELSE.
Credit record problems/abuse
Rape
Stalkings
12
Form Approved
OMB No. 0960-0466
SP
9 . Do y o u w ant us to s e nd t he s ta tem e nt :
Street Address
Stre et Addr ess If Foreign Addre ss, ent er Ci t y, Provinc e, Post al Code)
Middle Initial
U.S. Cit y, S ta te, Zip code If Foreign Addre ss, ent er Na me of Cou nt ry
3. Y o u r d a t e o f b i r t h ( M o - D a y- Y r . )
NOTICE:
5 . Yo ur Sex :
Male
Female
0
Form SSA 7004 SM (6-2002) EF (08-2002)
Destroy prior editions
-
(Area Code)
SOCIAL SIVVRI
ADN1INISIRM ION
in
After you complete and return this form, we will -within 4 to 6 weeks -- send you:
a record of your earnings history and an estimate of how much you have paid
s>'141N
111111
'6,01
INTRODUCTION
Part One, Section Two of this booklet is designed to provide you with simple step
by step instructions for preparing a successful request for a second Social
Security Number. The following guidelines have been produced by Primary
Source to assist individuals who feel they are deemed eligible to receive a new
Social Security Number. If your Social Security Number is causing you to be
financially disadvantaged, you may submit a request for a new Social Security
Number by following the guidelines provided.
THE MOST SIMPLE JUSTIFICATION FOR REQUESTING A SECOND SOCIAL
SECURITY NUMBER
The following reasons for requesting a second Social Security Number appear as
outlined by the Social Security Administration:
The most common justification is that the Social Security Administration or
the Internal Revenue Service has mixed together earnings records from more
than one person, if this has happened to you and the other party cannot be
located, it will be necessary for you to be issued a new number.
One of the easiest situations that the Social Security Administration accepts
justifying a new number is if your Social Security Number contains the sequence
666 or 13. The digits need to be consecutive according to the Social Security
Administration policy manual, but may be separated by hyphens.
Example:
735-13-9786-This is acceptable means for requesting a new number because the
numerical order of the one and three are consecutive.
735-01-3978-This is also acceptable means for requesting a new number even if
the one and three are separated by hyphens.
619-05-6668-This is acceptable means for requesting a new number because the
numerical order of the sixes are consecutive.
619-06-6688-This is also acceptable means for requesting a new number even if
the sixes are separated by hyphens.
The Social Security Administration states that you don't have to prove that your
religious objection is sincere. Other commonly accepted complaints include that
someone is harassing you and is tracing you through your Social Security
Number, sequential numbers assigned to family members, or serious impact on
your credit history that you've tried to clear up without success. You will find
helpful forms contained in the back of this booklet for disputing negative credit
information.
13
Begin by writing down the reasons you believe you are deserving of a 2nd
Social Security Number.
Explain how your current situation came about, causing you to resort to
believing that receiving a 2nd Social Security Number will alleviate your
unfavorable situation.
Include why this current situation is disadvantageous to you, or subjecting you
to negative economic or personal hardships.
If you feel that this situation is affecting your emotion well-being, causing a
loss of personal freedom or a threat to your personal safety, be sure to include
this in your petition.
Be sure to include at what point in time this situation arose. The situation that
you based your request for a new Social Security Number should have
occurred within the last year, or it still must be affecting you today.
When possible, document your claims. For example, include references to
denied requests for credit, denied requests for a home mortgage, credit report
disputes, court records, police reports, etc. Include copies of these documents
with your request for a new Social Security Number.
Conclude your petition by emphasizing how a new Social Security Number will
alleviate the problems caused by your old Social Security Number.
14
Your petition for a second Social Security Number should be typed in a uletter
format". At the top left corner of the petition, list your full name and your Social
Security Number as it appears on your present Social Security Card, along with
your current mailing address and telephone number. At the top right corner, be
sure to include the date your petition was submitted. Be sure to refer to the
sample petition below.
Full Name
Social Security Number
Current Address
Telephone Number
Date
To whom it concerns:
Sincerely,
Your Signature
You need to contact your local Social Security Administration branch to obtain
their address and telephone number. You may do this by contacting the main
office in Baltimore, Maryland at: (410) 361-4600. Or you can contact your local
directory assistance service.
STEP 4- Complete your SS-5 form
Enclosed within this booklet is a SS-5 form. Although you may already have a
Social Security number at the present time, it is necessary for you to complete
this form to receive a new Social Security Number.
STEP 5 - Simply mail your request!
STEP 2
STEP 3
Submit the application and evidence to any Social Security office. Follow instructions
below.
application for a Social Security number card, show the date of birth you used on the prior
application and submit evidence of age to support the date of birth in item 6.
16. You must sign the application if you are age 18 or older and are physically and mentally
capable. If you are under age 18, you may also sign the application if you are physically
and mentally capable. If you cannot sign your name, you should sign with an "X" mark and
have two people sign as witnesses in the space beside the mark. If you are physically or
mentally incapable, generally a parent, close relative, or legal guardian may sign the
application. Call us if you need clarification about who can sign.
Page 1
EVIDENCE WE NEED
CAUTION: We cannot accept photocopies of documents. You must submit original documents
or copies certified by the custodian of the record. Notarized copies are not acceptable. If your
documents do not meet this requirement, we cannot process your application. We will return your
documents. IF YOU DO NOT WANT TO MAIL YOUR ORIGINAL DOCUMENTS, TAKE THEM TO
ANY SOCIAL SECURITY OFFICE.
If you need an ORIGINAL CARD (you have NEVER been assigned a Social Security number before),
you must show us proof of :
AGE,
IDENTITY, and
U.S. CITIZENSHIP or LAWFUL ALIEN STATUS
If you need a DUPLICATE CARD (no name change), you must show us proof of IDENTITY.
IMPORTANT:
If you were born outside the U.S., you must also show us proof of
U.S. CITIZENSHIP or LAWFUL ALIEN STATUS.
If you need a CORRECTED CARD because of a name change, you must show us proof of IDENTITY.
To CHANGE YOUR NAME on our records, we need one or more documents identifying you by your
OLD NAME on our records and your NEW NAME.
IMPORTANT:
If you were born outside the U.S., you must also show us proof of
U.S. CITIZENSHIP or LAWFUL ALIEN STATUS.
AGE: We prefer to see your birth certificate. However, we can accept other documents such as a
hospital record of your birth made before you were age 5 or a religious record made before you were
three months old. If you were born outside the U.S., we can accept your passport. Call us for advice if
you cannot obtain any of these documents.
IDENTITY: We must see a document in the name you want shown on the card. We can generally
accept a current document that has enough information to identify you (e.g., signature, name, age,
date of birth, parents' names). We CANNOT ACCEPT a BIRTH CERTIFICATE, HOSPITAL BIRTH
RECORD, SSN CARD, SSN CARD STUB, OR SSA RECORD. Some documents that we can accept
are:
Driver's license
Employer ID card
Passport
Military records
Insurance policy
School ID card
IMPORTANT: If you are applying for a card on behalf of someone else, we must see proof of
identity for both you and the person to whom the card will be issued.
Page 2
NAME CHANGE: If your name is now different from the name shown on your card, we need an
identity document that identifies you by BOTH your old name AND your new name. Examples
include a marriage certificate, divorce decree, or a court order that changes your name. Or we can
accept two identity documentsone in your old name and one in your new name. (See IDENTITY
for examples of identity documents.)
U.S. CITIZENSHIP: We can accept most documents that show you were born in the U.S. If you
are a U.S. citizen born outside the U.S., show us a U.S. consular report of birth, a U.S. passport, a
Certificate of Citizenship, or a Certificate of Naturalization.
ALIEN STATUS: We need to see a current document issued to you by the U.S. Immigration and
Naturalization Service (INS), such as Form 1-551, 1-94, I-688B, or 1-766. We CANNOT accept a
receipt showing you applied for the document. If you are not authorized to work in the U.S., we can
issue you a Social Security card if you are lawfully here and need the number for a valid nonwork
reason. Your card will be marked to show you cannot work, and, if you do, we will notify INS.
IF YOU HAVE ANY QUESTIONS: If you have any questions about this form, or about the
documents you need to show us, please contact any Social Security office. A telephone call will help
you make sure you have everything you need to apply for a card.
Page 3
Human Services for child support enforcement purposes. We may verify Social Security numbers for
State motor vehicle agencies that use the number in issuing drivers licenses, as authorized by the
Social Security Act. Finally, we may disclose information to your Congressional representative if they
request information to answer questions you ask him or her.
We may use the information you give us when we match records by computer. Matching programs
compare our records with those of other Federal, State, or local government agencies to determine
whether a person qualifies for benefits paid by the Federal government. The law allows us to do this
even if you do not agree to it.
Explanations about these and other reasons why information you provide us may be used or given
out are available in Social Security offices. If you want to learn more about this, contact any Social
Security office.
The Paperwork Reduction Act of 1995 requires us to notify you that this information collection is in
accordance with the clearance requirements of section 3507 of the Paperwork Reduction Act of
1995. We may not conduct or sponsor, and you are not required to respond to, a collection of
information unless it displays a valid OMB control number.
TIME IT TAKES TO COMPLETE THIS FORM
We estimate that it will take you about 8.5 to 9 minutes to provide the information. This includes the
time it will take to read the instructions, gather the necessary facts and provide the information. All
requests for Social Security cards and other claims-related information should be sent to your
local Social Security office, whose address is listed under Social Security Administration in the
U.S. Government section of your telephone directory. Comments or suggestions on our "Time it
Takes" estimate are welcome and should be addressed to: Social Security Administration, ATTN:
Reports Clearance Officer, 1-A-21 Operations Building, Baltimore, MD 21235-0001. SEND ONLY
COMMENTS ON OUR "TIME IT TAKES" ESTIMATE TO THIS ADDRESS.
Page 4
Form Approved
OMB No. 0960-0066
Last
TO BE SHOWN ON CARD
First
Last
2
3
4
MAILING
ADDRESS
City
Do Not Abbreviate
CITIZENSHIP _____
State
Legal Alien
Asian AsianAmerican
Or
DATE
OF
BIRTH
Black
(Not
Hispanic)
JJ
Hispanic
Pacific Islander
Work
Female
U Male
RACE/ETHNIC
DESCRIPTION
Legal Alien
Other
U (See Instructions
On Page 1)
ElToNotWork
Allowed
p Allowed To
0 U.S. Citizen
(Check One)
SEX
Zip Code
White
(Not
Hispanic)
North
,--, American
LJ Indian or
Alaskan
Native
Office
Use
Only
PLACE OF
BIRTH
City
A. MOTHER'S MAIDEN
NAME __________
8 B. MOTHER'S SOCIAL
SECURITY NUMBER _____
First
(Complete only if applying for a number for a child under age 18.)
First
FCI
Last Name At Her Birth
Last
A. FATHER'S NAME
9 B. ___________________________ F
ATHER'S SOCIAL SECURITY
NUMBER ___________________
(Complete only if applying for a number for a child under age 18.)
Has the applicant or anyone acting on his/her behalf ever filed for or received a Social Security
number card before?
10
0 Yes (If "yes", answer questions 11-13.)
11Security number previously assigned to the person listed in item 1.Enter the
Enter the name shown on the most
First
I - 1 g o on t o q u es t i on 1 4 )
Middle
Social
Last
t he pe rson l i st ed i n i te m 1 . -
13
14 TODAY'S
DATE
DAYTIME
PHONE NUMBER
Area Code
Number
DELIBERATELY FURNISHING (OR CAUSING TO BE FURNISHED) FALSE INFORMATION ON THIS APPLICATION IS A CRIME PUNISHABLE BY FINE OR IMPRISONMENT, OR BOTH.
17
16 YOUR SIGNATURE
DO NOT WRITE BELOW THIS LINE (FOR SSA USE ONLY)
NPN
DOC
PBC
EVI
EVA
EVC
ri Legal
E l Othe r (Spec ify )
Guard ian ''
NTI
CAN
PRA
NWR
EVIDENCE SUBMITTED
ITV
DNR
UNIT
Page 5
DATE