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Warning: Social Security Numbers Dangerously Unsecure

July 14th, 2009 @ 5:00 am

6 Comments

Categories: Business, Security

Tags: Social Security Number, Social Security, Operational Accounting, Personal Finance, Government, Finance, Dave Johnson

Here’s some news that might have been somewhat fresh in 1936: According to the Washington Post, researchers say that social security numbers can be guessed. And not just a few of the digits — all of them. Here’s how:  

  • The first three digits are regional, derived from the zip code that the application originates from.
  • The middle pair of numbers change slowly over time, so people born in the same region within a few years of each other will typically all have the same numbers.
  • The last four are doled out sequentially.

It turns out that there are enough clues and indications about the first five digits that someone with access to Google could determine most of your social on a lunch break. And the final four, of course, are often used for ID purposes.

Let me be perfectly clear: I knew all this when I was 10 years old. So I can only assume that the “Carnegie Mellon University researchers” cited in the story are, in fact, a couple of pre-pubescents who picked this info up on the playground as well.

What is the implication for us? If you’re a business, you absolutely, positively should not be using any part of the customers’ social security number for identification purposes. Not even the last four. It’s just too easy to end up the target of a lawsuit that contends you were a party to identity theft.

And you should never allow any business to use your own social for tracking purposes. Take your business elsewhere, if necessary. It’s just common sense.

News of the Stupidly Obvious is apparently all the rage. Just the other day, I told you to lie about secret questions based on some Microsoft research.

Folks, seriously. Is anyone out there using social security numbers to track or be tracked? I’d love to hear about it in the comments.

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  •  
    1

    bbains

    07/14/09 | Report as spam

    RE: Warning: Social Security Numbers Dangerously Unsecure

    Every financial institution that I deal with. And most won't substitute an alternate ID or security question even if you ask.

  •  
    2

    denniswi

    07/15/09 | Report as spam

    RE: Warning: Social Security Numbers Dangerously Unsecure

    How much did we pay for this research? I gotta get me a piece of that pie (hmmm...$20MM research grant to see if banging your head on the wall causes pain. Any volunteers?)

  •  
    3

    llandau@...

    07/15/09 | Report as spam

    RE: Warning: Social Security Numbers Dangerously Unsecure

    My state even prints the SS# as ID number on state driver's license unless the person takes a few moments to check mark a box to "deny it" be printed on the license. I deny it of course. Many medical offices ask for it. I always leave it blank and most times no one questions it. I have walked out of some places when they ask for social security number. I refuse them then they refuse me unless I give it so I've walked out. My money spends just as well elsewhere. If my need to be met has nothing to do with my financial status/history -- or employment -- they don't need my number. when I was seeking employment some years ago - I refused to give my ss# to some of the cattle calls. They said I would need to give it if I intended to be hired. I told some that once they told me of their intent to employ me I would then give them the # but until then -- they didn't need it. LOL - some i never heard from again -- but then again - I am employed now.

  •  
    4

    NURREDIN

    07/16/09 | Report as spam

    RE: Warning: Social Security Numbers Dangerously Unsecure

    Until Nixon,the middle two denoted race.

  •  
    5

    BizHacks Dave

    07/16/09 | Report as spam

    RE: Warning: Social Security Numbers Dangerously Unsecure

    @NURREDIN: Utter bunk, absolutely, positively false. Do you also believe we faked the moon landing? This is one of a nuimber of race-based urban legends about social security numbers. You can read about much of it at snopes: http://www.snopes.com/business/taxes/blackssn.asp

  •  
    6

    ingoodcompany

    07/16/09 | Report as spam

    RE: Warning: Social Security Numbers Dangerously Unsecure

    Privacy and secure identity is pretty much an outdated notion. I think we might as well all be like that LifeLock guy, and just hang our SS# on a big red magnetic sign on the side of our cars & trucks. I have seen "Big Brother", and he is us. People are (unbelievably) blowing enough chunks of personal information on their Facebook and Twitter accounts so that you could just about get a seat at their dinner table at their homes before anyone discovered you weren't them. The key to true identity security today is to be such a loser that anyone would be ashamed to have your identity.

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