The terrorist attacks of September 11 helped to unify the country in a resolve to improve security. One industry required to follow many new rules and regulations was the financial industry. Banks must verify the identity of customers and employees according to the USA Patriot Act. Background checks by social security number are a preferred method of checking identities. Noncompliance with government regulations could result in fines or penalties.

Conducting Background Checks by Social Security Number

Conducting a check of a social security number is legal and considered ethical if the information obtained does not invade privacy rights. The Fair Credit Reporting Act has regulations against using a social security number to access a person's credit history except in certain specified situations. Online background screeners offer services to find a subject's social security number or to verify that a stated social security number is valid. They will give advice to employers about legalities of this type of background check. Ultimately, it is the employer's responsibility to research and follow laws and regulations.

Other services provided by background checking companies include a social security trace and a national identifier search. Some locations where a social security number may be discovered are in voter registration records, DMV records, marriage licenses, and litigation files or tax liens. Employers are given social security numbers by new employees. The employer may then use the Internet to verify correctness of the number. They should choose a reputable background screening company that gives evidence of compliance with FCRA regulations.

Social security numbers may be processed securely online. Screening companies will provide reports on whether or not the number has been assigned, to whom it was assigned, and whether or not that person has been reported as deceased to the Social Security Administration. Social security numbers may be screened against government watch lists to assure Patriot Act compliance. Screening of social security numbers helps to prevent identity theft, thereby contributing to the improved the security of the nation.