I just had a friend call since he got a letter from Social Security saying that he had just setup an account, the problem was he didn’t do it.
My friend was recently part of the Anthem hack so he may have lost his SSN that way.
The moral of the story is, setup an account NOW before the bad guys do it first.
I just setup an account for my wife and was impressed by the number of questions and controls that they had in place – much better than the IRS, which basically has nothing.
The SSA also allows you to setup two-factor authentication and you must even then get some information in the mail from them before this is even done. Impressive.
With all the information that the SSA collects from you during the process, it’s amazing that the bad guys can have all the answers, but somehow they do.