Social Security Number Trace Information

A social security number trace (SSN trace) allows you to obtain address and name information on an individual through their SSN. This powerful tool is often used as part of a criminal background check, to get relevant names and to find criminal records based on a person's address history. It is also used to find people who are hiding from collection agencies, to confirm current address or employment for financial transactions, and for other reasons.

What is a social security number trace?

A social security number, or SSN, is a unique 9-digit number assigned to U.S. citizens and legal aliens by the Social Security Administration. Originally designed solely to assist in the administration of social security benefits, the social security number has effectively become a universal identifier for U.S. residents. In theory, it is possible for someone not to apply for an SSN (and some privacy advocates have tried this), but in practice the number is so necessary for modern life that almost everyone obtains one shortly after birth. A social security number is required in order to do any of the following:

• get social security benefits
• open a bank account
• receive Medicare benefits
• get a federal student loan

While some attempts were made back in the 1970's and later to minimize the need for social security numbers, they have not had much impact. The Social Security Administration has a very interesting history of social security numbers and how their use has expanded over the years.

As a result, individuals tend to leave a trail through the constant use of their SSNs. Any of these transactions will usually leave a record behind that includes a social security number -- as well as a name and address:

• signing up for water, phone, or electricity service
• getting a credit card or charge account
• obtaining a loan
• renting an apartment

The SSN trace looks for these records, and uses them to compile a list of names and addresses associated with that social security number. It may also include phone number and date of birth.

Types of social security number traces

The most familiar type of SSN trace is based on data collected by one of the three main credit bureaus: TransUnion, Equifax, or Experian. Another name for this type of trace is credit header. It includes name, address, previous addresses, telephone number, and date of birth. A credit header may contain information from one credit bureau or all three. Since each credit bureau has coverage that varies across the country, the most powerful traces use all of them, and charge accordingly.

In 2002 federal appeals court rules Gramm-Leach-Bliley Act doesn't allow this www.ftc.gov/opa/2002/07/tuglbappeal.htm

Home
Site Map