Are mortgage company suppose to have your social security number if you have not given it too them.....?

Question

an insurance company called my house offering mortage information, they asked for my SSN# and i told them im not going to give it to them until they give me the rate and then they told me they already have it. and i never talk to this insurance company in my life...is this poosible....please help and can i sue

Answer 1

It could be an affiliate of a company that you alreday do business with. Just because they have you SSN, doesn't mean that they can run your credit without your permission.

I wouldn't call them back.
PS: Your SSN isn't as secret as you might think.

Answer 2

We did a research on a similar issue for a consumer and I was blown away on how many scams there are out there for identity theft.
Based on our research I would advice you to first call your mortgage company and ask them about this so called insurance company, second I would check your state's attorney general's web site and see what scams they are telling the public to be aware of.
Lastly we always recommend that unless you know the person that you are talking to on the phone, never to disclose any personal financial information. If they insist have them write to you so you can then check them and their company out. Nothing is that important that they must get instant gratification by getting your personal financial information.
Get a web site and then check the ownership
Finding information on a particular web site’s ownership: http://www.networksolutions.com/whois/index.jsp
Best of luck to you

Answer 3

You were 100% correct not to give out social security number to anyone, especially over the phone. I dont you can sue unless you have actual damages. However the below website for the Federal Trade Commission to file a complaint.

Answer 4

You will need to check your mortgage documents. Some lenders reserve the right (in the contract) to share such information with 'affiliated companies'. If you missed that clause and signed the document, they have written permission to dispense with your SSN.

I'd venture that no mortgage lender would dispense a SSN without checking to see if you signed giving permission to do so.

Answer 5

You would be amazed at how companies are affiliated. Your SSN# is everywhere. If you find out someone runs your credit without your permission, you can sue.