Social security gov retirement benefits

Social security gov retirement benefits

Social Security is part of a retirement plan for almost every American worker. If you or someone you know are among the 96% of American workers covered under Social Security, you should know how the system works as well as what you should receive from Social Security when you retire.

If you are trying to collect a debt from a retired American worker or need to find out if a person is collecting benefits for a judgment or other related legal work, we suggest you review this professional search.

We have conveniently linked this article to the Social Security Retirement Benefits booklet should you need to download that information.

If you are looking to find information regarding the location of a person collecting Social Security Benefits visit this link.


ABOUT THE AUTHOR: Noah Wieder is President and CEO of Intelligent eCommerce, Inc. and the founder of www.bestpeoplesearch.com. Bestpeoplesearch is a private investigtor portal and Information Retrieval Services web site where investigators offer searches to businesses and individuals with specific search needs.

Categories: SSN, BPS

Can I get someone’s credit report?

We get this question a lot:
“So and so” owes me money, how can I pull his credit report without him knowing about it? I need to find out where he works or lives to serve him papers.

Can I get someone’s credit report?

Unfortunately and I guess fortunately you really can’t. Sometimes it would be really helpful to pull a credit report on someone that owes you money before you try and chase them down. This way you know if it’s worth spending time, money, and effort pursuing them to get what’s owed.

Sometimes we’re all glad it’s not that easy to obtain one and there are laws in place preventing anyone from getting that information.

I’m not an attorney and I don’t claim to know much about the various laws on this subject. If you are a lawyer, or know the law, please leave comments to help others.

We currently don’t offer to obtain credit reports. There are plenty of places to obtain your own credit report and you can obtain the report of others with the right credentials.

One of the credentials to obtain someone’s credit report requires written permission from that individual. If you are a lender, a company that deals with issuing credit or insurance or need it for employment purposes you can also obtain the reports.

The Fair Credit Reporting Act “FCRA” is the law that pertains to the financial matters of others. This federal statute does allow a business to pull a credit report for an individual or a business in certain situations, the key phrase here being “certain situations”. Use this link to view the FCRA, but I warn you that is an 86 page PDF and is not easy reading.

A good article on the subject written by Jenny C. McCune a contributing editor with Bankrate.com can be found here.

From blog comments.
Bottom line: OK to pull if you have a written release from the consumer, for credit, employment or insurance purposes. OK to pull if you have a judgment or a court ordered document against the consumer.

If you need to locate someone’s employer for a process server or to garnish wages you don’t need a credit report. You can simply hire an investigator to conduct a Place of Employment “POE” search.

ABOUT THE AUTHOR: Noah Wieder is President and CEO of Intelligent eCommerce, Inc. and the founder of bestpeoplesearch.com. Bestpeoplesearch is a private investigtor portal and Information Retrieval Services web site where investigators offer searches to businesses and individuals with specific search needs.

Categories: Credit, Judgments, BPS

 

Social Security Number Fraud Q & A

Social Security Number Fraud Q & A

We receive a lot of questions about Social Security Number Fraud which is often tied to Identity theft.

One of the most recent Questions was:

How would someone determine if a person who is currently using a valid Social Security number is actually the person the number was issued to, and is not just using a valid number in a fraudulent manner?

Say for example: Person ‘A’ has a valid social security number and person ‘B’ lists the number on their employment records as their social security number. Your Free SSN verification would show the number is actually valid but the number would be being used in a fraudulent manner.

Our Answer was:

Yes, a Free SSN verification would most likely show the SSN was valid. The only way to figure out if it’s being used fraudulently is by conducting one of a few professional investigator-assisted searches. If you are an employer checking on a current or former W-2 employee you could use the Social Security Number Verification Service, SSNVS from the SSA.gov.

Otherwise, we would recommend one of the following four searches.

  1. A reverse SSN trace
  2. A Comprehensive Background Check by SSN
  3. An Exhaustive People Search by SSN
  4. A Financial Due Diligence Report

Any one of these investigator-conducted searches often reveals all the names reporting the SSN with the address history.

The amount of information provided by these different reports vary, however most of them typically include dates the address information was reported to the various bureaus and reporting agencies.

This would give you a clue as to who actually established the SSN first. Typically the person who was issued the number first establishes it first (establishing credit, utilities, etc).

Sometimes immigrants who have established themselves (went thru the process of getting a work permit or visa) and obtained a SSN so they can work legally share the number with relatives or friends.

Sometimes a loan application is completed using a slightly different name or a variation of the name the SSN was actually issued to. Even if the loan is turned down for credit the name is actually reported in the credit bureau records. This establishes a new or additional name attached to the SSN.

It can sometimes be difficult to know who the actual number was issued to. If you are an employer as registered with the IRS and need to verify current or former employees (only for wage reporting [Form W-2] purposes) you may use the Social Security Number Verification Service (SSNVS) found on the SSA.gov web site.

If you not an employer or you are trying to verify a prospective employee or other individual (independent contractor or any other 1099 type of employee) you would need to use a third party investigation service and still need to abide by FCRA and other employment laws.

ABOUT THE AUTHOR: Noah Wieder is President and CEO of Intelligent eCommerce, Inc. and the founder of http://www.bestpeoplesearch.com/. Bestpeoplesearch is a private investigtor portal and Information Retrieval Services web site where investigators offer searches to businesses and individuals with specific search needs.

Categories: SSN, Fraud, BPS

Tips & Advice on How to avoid eBay fraud

Are you considering buying something on eBay but afraid of getting ripped off? Well, you’re not alone. There are millions of eBay users and the scammers and fraudsters abound. This simple video created by iwantcollectibles.com includes great tips and advice for beginner eBay buyers. Warnings include how and what to look for when choosing a seller on eBay.

If you’re considering a sizable purchase (a few hundred dollars or more) for collectibles or a vehicle perhaps, it’s always a great idea to do your homework (background check) and research the seller.

About 3 years ago I purchased a medium priced SUV from an eBay seller. Here are the steps I took to ensure I was dealing with a reputable seller.

  1. Reviewed all feedback from buyers
  2. Made sure seller had sold vehicles previously (or at least sold other large ticket items).
  3. If it was the sellers first vehicle (everybody has to have a first) make sure the seller had a ‘Me’ page posted on eBay and/or listed all personal information in the auction.
  4. When you have nothing to hide and are a stand up citizen or reputable business you should be willing to have your profile be public, especially if you’re asking someone to spending $1,000 or more and you are basically doing business with strangers. [I sell things on eBay and I have an about me page. I’m easy to find and verify.]
  5. If the seller does not have any information posted on the auction about who they are, send a message to them using the eBay system.
  6. Tell the seller you are interested in the item and ask them to provide their name and contact phone number. This is a very basic request.
  7. If someone is selling a laptop or other piece of expensive equipment, or a high ticket electronic device, or a vehicle and they are not a full time eBay business they should provide their name and phone number. If they are a full time eBay business, their auction should list their business name and address or phone number.

If the auction you are interested in does not have name or contact info and you ask the seller for their name and phone (just send a simple message that says:

‘Hi, I’m [insert your name] and my eBay name is [xxxx]. I am interested in bidding on your [describe item and include auction number].

Before I place a bid on such an expensive item I like to know who I am doing business with. If you would be so kind as to reply to this message with your contact information (name and phone number) I would like to speak with you for my peace of mind.

Once we speak I will feel more comfortable bidding on your item. If you prefer to call me, please do so at [add your phone number]. The best time to reach me is [enter day and time]. Sincerely, [your name].

This simple message may save you hundreds if not thousands of dollars as well as the anxiety and time of dealing with eBay fraud.

There are thousands of thousands of honest sellers on eBay, both businesses and individuals. You just have to make sure you’re dealing with one of them, because there are also thousands of scammers too.

If you do not get a response from the seller from your request, please don’t bid on that item. There are plenty of legitimate auctions and sellers that are more than happy to speak with potential customers.

Have you ever heard of a business that does not want to speak to their potential customers? Well, okay, some of our competitors don’t post phone numbers or contact info, but you probably wouldn’t want to do business with them either.

I successfully heard from the seller and he provided his name and cell phone number. Once I had his name and cell number I requested a reverse cell phone number lookup to be sure this was actually his cell number and obtained the address associated with it.

Once I had his name and address and was comfortable with the conversation we had and was pretty sure I was going to bid on the vehicle, there were a number of things I could request to put my mind at ease even more.

I actually requested a few things including a complete background check (only $67) and a Financial Due Diligence report ($57). Since he claimed to be a business, I had a Business Background Check done too. After all, a vehicle purchase can be in the tens of thousands, and I was required to send a cashiers check for the vehicle. So for less than $250 I assured my check was safe and that I was fairly confident I would get the vehicle I paid for.

This method has been successful for several of my friends, family members and other bestpeoplesearch customers who successful purchased very nice vehicles at substantial savings from eBay motors sellers.

If you’ve already been ripped off and have lost your money, there are way to try and track down the fraudster.

First thing is to contact the police in the town where you mailed your check (if you paid by Paypal or credit card, file a fraud report). You can also contact the secret service (they are the agency that deals with Internet fraud).

Aside from that, you can try and track down the thief yourself (try an email trace if you have an email from them), then notify the authorities that you’ve found the thief and need help apprehending them.


ABOUT THE AUTHOR: Noah Wieder is President and CEO of Intelligent eCommerce, Inc. and the founder of http://www.bestpeoplesearch.com/. Bestpeoplesearch is a private investigator portal and Information Retrieval Services web site where investigators offer searches to businesses and individuals with specific search needs.

Categories: eBay, Fraud, BPS