If it gets into the wrong hands, you might face identity theft. Fake loans, credit card scams, and tax refund theft are all possibilities. Want to keep your SSN safe? There are easy ways to protect your info. Start today!

1. Keep Your SSN Private

The simplest way to protect your SSN is to avoid sharing it unless necessary. Many businesses ask for it as a form of identification, but in many cases, you can decline. If a company or institution requests your SSN, ask:

Why is it needed?
How will it be stored?
Are there alternative forms of identification I can provide?

Avoid carrying your Social Security card in your wallet or purse. Tuck it away somewhere safe at home.

2. Shred Documents Containing Your SSN

Identity thieves often go through the trash to find personal information. Shred documents that have your SSN. Don't forget old tax returns, those essential medical records, and your financial statements. Give them a once-over, then throw them away. A cross-cut shredder is the best option for maximum security.

3. Monitor Your Financial Accounts and Credit Reports

Check your bank statements, credit card activity, and credit reports often. Look for any suspicious activity. You can get one free credit report each year from the three major credit bureaus: Equifax, Experian, and TransUnion. Just visit AnnualCreditReport.com. Report any unauthorized accounts or inquiries right away.

4. Use Strong Online Security Practices

Enable multi-factor authentication (MFA) for financial and government accounts.
Use unique, complex passwords for each account and consider a password manager.
Watch out for phishing emails and scam calls that claim to be from the Social Security Administration or your bank.

5. Freeze or Lock Your Credit

A credit freeze stops creditors from seeing your credit report. Fraudsters will have a much harder time creating accounts using your personal information. You can place a free credit freeze at all three major bureaus. A credit lock is a similar feature but may come with a fee.

Lower your risk of identity theft; it's easier than you think. Follow these steps. Your Social Security number will be safer with this.