The Industry's Leading Source For F&I, Sales And Technology

Article

Deciphering Social Security Numbers

January 2009, F&I and Showroom - Feature

by Gregory Arroyo - Also by this author

Red Flag
Featured Companies
Compli 700Credit
More Information
Articles

Deciphering Social Security Numbers
By Randy Henrick

Federal regulators estimate that 4 percent of identity theft involves the stealing of Social Security numbers belonging to children. What dealerships need to realize is the perfect way to combat this is by simply examining those nine little digits.

A Social Security number is divided into three parts: the area, the group and the serial number. Two of those three parts can tell an F&I manager how long ago the number was issued, and in which state. Just make sure to ask customers where and when they think their number was issued. There are also several Websites available to dealers that can help determine whether a Social Security number is phony or not.

Below is a quick primer on how to decipher a Social Security number.

HOW SOCIAL SECURITY NUMBERS WORK AND WHAT INFORMATION THEY PROVIDE

1. The first three digits (the area number) of a SSN are determined by the state where the number was issued. You can get the state-assigned list for each 3-digit origination code by visiting http://www.socialsecurity.gov/employer/stateweb.htm. Ask customers what state they lived in when their Social Security number was issued. If a customer's answer doesn't match the 3-digit numbers for that state, beware.

2. Within each area, the group number (middle two digits) ranges from 01 to 99. However, this range is not assigned in consecutive order. For administrative reasons, two-digit numbers issued first consist of odd numbers from 01 to 09, followed by even numbers from 10 through 98 within each area number allocated to each state. After all numbers in odd groups and even groups of a particular area have been issued, the even groups 02 through 08 are used, followed by odd groups 11 through 99. For example, someone whose middle two digits are 07 should be much older than someone whose middle digits are 95. That's because someone who is younger would have a higher number, due to the fact that the smaller numbers were already issued. Each month the Social Security Administration updates the “High Group List” of two-digit numbers on its Website.

3. The last four digits are assigned consecutively from 0001 through 9999 within each area and group sequence. They do not provide any meaningful information about a person to verify his or her identity.

As a note, you can also check a SSN against the Social Security Administration's Death Master File by visiting http://ssdi.rootsweb.com/, which is a full file of persons reported to the SSA as being deceased. This may help you catch a thief who is using a Social Security number that is no longer valid.

Comment

  1. 1. Bravo_FIAT [ August 19, 2014 @ 01:18PM ]

    This article is obsolete for the Social Security number since 2007 !!!!
    http://www.socialsecurity.gov/employer/randomization.html

  2. 2. Bravo_FIAT [ August 19, 2014 @ 01:18PM ]

    This article is obsolete for the Social Security number since 2007 !!!!
    http://www.socialsecurity.gov/employer/randomization.html

  3. 3. Bravo_FIAT [ August 19, 2014 @ 01:18PM ]

    This article is obsolete for the Social Security number since 2007 !!!!
    http://www.socialsecurity.gov/employer/randomization.html

  4. 4. Bravo_FIAT [ August 19, 2014 @ 01:18PM ]

    This article is obsolete for the Social Security number since 2007 !!!!
    http://www.socialsecurity.gov/employer/randomization.html

  5. 5. Bravo_FIAT [ August 19, 2014 @ 01:18PM ]

    This article is obsolete for the Social Security number since 2007 !!!!
    http://www.socialsecurity.gov/employer/randomization.html

 

Your Comment

Please note that comments may be moderated. 
Leave this field empty:
Your Name:  
Your Email:  

Blog

So Here's the Deal

Ronald J. Reahard
Avoiding the AAA Objection

By Ronald J. Reahard
Top trainer advises F&I pros to eliminate the ‘I have AAA’ objection by downplaying the very real — but relatively minor — roadside assistance benefit included with most service contracts.

(Video) Capture Missed VSC Sales

By Ronald J. Reahard
In response to a reader question, the magazine’s F&I wiz updates his plan for re-pitching service contracts to customers who declined the protection at the time of delivery.

The Dealer Moved My Goal Posts

By Ronald J. Reahard

Addressing F&I’s Internet Problem

By Ronald J. Reahard

Done Deal

Gregory Arroyo
Protecting F&I’s Future

By Gregory Arroyo
The editor responds to a reader’s question about whether F&I managers are being replaced by iPads and digital retailing tools.

Game Almost Over

By Gregory Arroyo
With the CFPB’s controversial guidance officially repealed, the editor delves into what the bureau was really after in its targeting of dealer participation.

The Repair Is Covered

By Gregory Arroyo

Change Is Happening

By Gregory Arroyo

Mad Marv

Marv Eleazer
Stop Painting Dealers With a Broad Brush

By Marv Eleazer
His Madness has a few choice words for media members who obsess over every act of dealer malfeasance while ignoring their charitable and volunteer efforts.

I Love F&I. How About You?

By Marv Eleazer
His Madness challenges F&I professionals to decide right here and now whether F&I is your career or just a job.

Is That Legal?

By Marv Eleazer

Overcome Your F&I Weaknesses

By Marv Eleazer

On the Point

Jim Ziegler
Bound to Fail

By Jim Ziegler
Da Man returns with a message to vehicle manufacturers jumping into the subscription waters: It ain’t gonna happen.

Sharpen Your Survival Skills

By Jim Ziegler
‘Da Man’ has a plan you can use to survive the collapse of the car business and remain profitable through the dealer apocalypse.

Sales Rock Stars Still Exist

By Jim Ziegler

The New Stooges

By Jim Ziegler