The Social Security Administration has advocated for using their my Social Security online tool. From my Social Security, users are able to view their Social Security benefit statements and review earnings history. It is also an easy way to request a replacement Social Security Card or to enroll in Medicare ¹. This seemingly simple alternative could save you from hours of waiting in line at your local Social Security office.

However, those who have put a freeze on their credit reports may have issues in establishing their my Social Security account ². According to the Social Security Administration, you cannot create a my Social Security account online if you have a security freeze, fraud alert, or both on your credit report. This is because Social Security uses an external Identity Services Provider, Equifax, to verify identity and protect the personal information of online customers.

If you are hoping to create an online account through my Social Security for the ease of online Social Security benefit statements and online Medicare enrollment, you will need to contact Equifax and request that they temporarily lift your security freeze or fraud alert. After creating your online account, you can reinstate the security freeze ³.

Sources:

¹ https://www.ssa.gov/myaccount/?utm_source=offsite&utm_medium=referral&utm_campaign=ocomm-eservices-fy19&utm_content=eservice

² https://www.forbes.com/sites/dianeomdahl/2019/05/01/a-freeze-on-your-credit-report-youll-be-frozen-out-of-online-medicare-enrollment/#2a03a05b44ee

³ https://www.ssa.gov/myaccount/create.html

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