The “my Social Security” online portal is the master key to your financial life. It controls where your monthly check is deposited, displays your tax forms, and holds your entire earnings history. Because it is so valuable, it is the number one target for identity thieves in 2026.
Modern scammers have stopped trying to “hack” the government’s mainframe. Instead, they hack you. They use a technique called “social engineering” where they pretend to be helpful agents, grandchildren, or tech support. They don’t steal your password; they convince you to hand it to them voluntarily under the guise of “assistance.” There are specific moments in the account management process where you must be absolutely ruthless about privacy. Here are the seven times you must strictly refuse any offer of help.
When Setting Up the Account for the First Time
This is the most critical rule: You must create your own account. If a “helper” (even a well-meaning neighbor) sets up your my Social Security account for you, they choose the username, the password, and the security questions.
They effectively “own” your digital identity. They can lock you out at any time. The Social Security Administration (SSA) explicitly warns that creating an account for someone else is a violation of federal rules, even with permission. If you cannot use a computer, make an appointment at the local field office to do it in person with an official government employee.
When a “Tech Support” Agent Wants Remote Access
If you are struggling to log in, you might get a pop-up offering “Live Support.” The person on the phone will ask you to download software like AnyDesk or TeamViewer so they can “see your screen and guide you.”
Hang up immediately. Legitimate SSA employees will never ask to remote control your computer. If you allow them in, they will have you log into your bank to “pay a fee,” and they will drain your accounts while you watch. Never share your screen while logged into a government portal.
When You Receive a “Security Code” by Text
The SSA uses two-factor authentication (2FA). When you log in, they text a 6-digit code to your phone. A common scam involves a fraudster calling you and saying, “I am sending a code to your phone to verify your identity. Please read it back to me.”
Do not read the code. The person on the phone is trying to log into your account from their computer. They triggered the code, not you. If you give them the numbers, they bypass the security lock. The code is for your eyes only.
When Updating Direct Deposit Information
Scammers often pose as SSA agents claiming there was a “banking error” with your last deposit. They offer to “help you update your routing number” to ensure you get paid.
If you let someone else type in your banking details, they will route your check to a prepaid debit card they control. Once the money is sent to that card, it is gone forever. Only you should ever enter your bank account and routing numbers into the portal.
When “Unfreezing” a Suspended Account
A popular 2026 scam involves an email or text claiming your Social Security number has been “suspended due to suspicious activity.” The message urges you to click a link so a “specialist” can help you unfreeze it.
Social Security numbers are never suspended. This is a panic tactic. The “helper” on the other end is simply phishing for your full SSN and date of birth. Never let anyone “help” you resolve a suspension that doesn’t exist.
When Applying for a “Cost of Living” Boost
Scammers know everyone wants a higher check. They will approach you claiming they can “help you apply” for a special COLA bonus or a “Biden-Trump Transition Grant.” They say they just need to log into your account to file the form.
There is no such application. COLA increases are automatic. Anyone claiming they can pull strings to increase your benefit is lying to get into your account.
When Resetting a Forgotten Password
If you forget your password, the reset process requires answering personal security questions. Never let someone “help” you by typing the answers for you. If they see that your mother’s maiden name is “Smith” and your first pet was “Rover,” they can use that data to hack your bank and email accounts too.
Password recovery is a solo activity. If you need help, call the official SSA 1-800 number, not a “helper” who called you.
Be Stingy With Access
Your Social Security account is not a shared family Netflix login. It is a federal document. Treat your login credentials like the key to your front door—never duplicate them, and never hand them to a stranger on the porch.
Has you been a victim of a Social Security Account scam? Leave a comment below—warn your neighbors!
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