"How Much Is a Social Security Number Worth on the Dark Web?"

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The Social Security Administration (SSA) changed the way Social Security Numbers (SSNs) are issued on June 25, 2011. This change is referred to as "randomization." The SSA developed this new method to help protect the integrity of the SSN. SSN Randomization will also extend the longevity of the nine-digit SSN nationwide.

The SSA began assigning the nine-digit SSN in 1936 for the purpose of tracking workers' earnings over the course of their lifetimes to pay benefits. Since its inception, the SSN has always been comprised of the three-digit area number, followed by the two-digit group number, and ending with the four-digit serial number. Since 1972, the SSA has issued Social Security cards centrally and the area number reflected the state, as determined by the ZIP code in the mailing address of the application.

There are approximately 420 million numbers available for assignment. However, the previous SSN assignment process limited the number of SSNs available for issuance to individuals by each state. Changing the assignment methodology extended the longevity of the nine digit SSN in all states. On July 3, 2007, the SSA published its intent to randomize the nine-digit SSN in the Federal Register Notice, Protecting the Integrity of Social Security Numbers [Docket No. SSA 2007-0046].

Employers, organizations or third-party submitters can verify Social Security numbers for wage reporting purposes only. Social Security offers two options to verify Social Security numbers:

The Social Security Number Verification Service - This free online service allows registered users to verify that the names and Social Security numbers of hired employees match Social Security’s records.

The Consent Based Social Security Number Verification Service - This fee-based Social Security number verification service is available to enrolled private companies, state and local government agencies to provide instant automated verification and can handle large volume requests.

Components of an SSN

Area Number

The first group of three digits is the area number. It represented the issuing state. States could have more than one number, depending on how many people needed SSNs. Examples of area numbers include 001 to 003 for New Hampshire and 575 to 576 for Hawaii.5

Generally, people on the East Coast have the lowest SSNs. Area numbers ascended as the assignment moved westward. So, people on the West Coast tend to have the highest SSNs.2

Beginning in 1972, the area number was assigned based on the zip code associated with the mailing address (which isn't necessarily the place of residence) on the application.2

There have been exceptions to the original area number assignment process:2

700–728 were assigned to railroad workers until 1963.

586 was assigned to American Samoa, Guam, the Philippines, Americans employed internationally by American companies, and Indochinese refugees (from 1975 to 1979).

729–733 were allocated to the Department for Homeland Security for its Enumeration of Entry program for non-citizens admitted to the U.S. for permanent residence.

666 will never be assigned

 Check your credit reports and bank statements

If fraudsters are using your stolen SSN, it will most likely show up on your credit reports and bank or credit card statements. If your SSN has been leaked, you’ll want to keep a close eye on your financial accounts.

 How to monitor your finances and bank accounts:

Review your bank statements as soon as you get them. Don’t ignore statements. If you receive them in the mail, go over them carefully as soon as they arrive — or at least weekly from your online account or mobile banking app.

Set a transaction limit on your accounts. Most banks will allow you to set withdrawal limits or transaction ceilings that will trigger a fraud alert. Many credit card companies also employ their own fraud detection services. But be careful of any fraud alert sent via text or email, as this is a common phishing scam tactic used by fraudsters.

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Sign up for a credit monitoring service. These services monitor your credit files with the bureaus to warn you if someone is trying to take out loans or open accounts in your name. It’s always a good idea to choose three-bureau credit monitoring so that you don’t miss the early warning signs of fraud.

Pro tip: Identity Guard monitors your credit file at all three bureaus and can warn you in near real-time about changes and potentially fraudulent activity. Save 33% when you sign up for Identity Guard today.

8. Lock your SIM with your cell phone provider

One of the lesser known ways that scammers target you is by convincing your phone provider to send them a new SIM for your account. Known as a “SIM swap,” this scam gives fraudsters full access to your phone number — which means all calls and texts go to them, including 2FA codes and password reset links.

To lock your SIM, you’ll need to contact your cell phone provider and ask them to set a custom PIN to lock and unlock your SIM.

How To Keep Your Sensitive Information Off the Dark Web

Ultimately, the best thing you can do to protect yourself from identity theft is keep your sensitive information private, secure, and off the Dark Web.

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Here are a few ways you can secure your identity from scammers and hackers:

Create unique passwords and enable two-factor authentication (2FA). Make sure you're using different passwords for each account and enable 2FA whenever it's available. This adds an extra layer of security that makes it much harder for hackers to gain access to your accounts — even if they have your password.

Use a password manager. A password manager stores all of your passwords in one secure place and gives you access to them when you need them. This makes it much easier for you to use complex passwords (as you don’t have to worry about remembering them all). Every Identity Guard membership comes with access to a robust password manager.

Be cautious with sensitive information. Be selective about which websites and companies you trust with your data. Only provide your SSN, email address, and other sensitive information when absolutely necessary.

Use antivirus and VPN protection. Safeguard your devices with reliable antivirus software and a virtual private network (VPN). A VPN hides your IP address and encrypts your data — making it more difficult for hackers to target you.

Update software regularly. Software updates often include security patches that help protect your devices from new threats. Always keep your operating system, apps, and web browsers up to date.

Be wary of phishing attempts. Always be cautious with emails, texts, and messages from unknown sources. Scammers often use manipulative tactics to trick you into revealing sensitive information or clicking on malicious links.

Limit your digital footprint. Be mindful of what you share online. The more personal information that you post on social media, the easier it is for scammers to piece together your identity.

Educate yourself. Stay informed about the latest cybersecurity threats and best practices. Knowledge is power — the more you know, the better you'll be at protecting yourself and your family.

The unfortunate truth is that everyone is at risk of identity theft.

For added security and peace of mind, sign up for Identity Guard today. Identity Guard monitors your most sensitive data — from your SSN to your bank account — and alerts you to any suspicious activity. If the worst should happen, you’ll be covered by Identity Guard’s White Glove Fraud Resolution support and up to $1 million in identity theft insurance.