Form SSA-89, Authorization for the Social Security Administration to Release Social Security Number (SSN) Verification, is a form used for procuring data from the U.S. Social Security Administration (SSA) to allow a third party to prove the connection between a person's name and their SSN. This verification is a mandatory requirement for mortgage lenders, credit check agencies, etc. It helps protect you against fraud and identity theft. For example, when it comes to mortgages, lenders want to know that the borrowers are indeed who they say they are. It is a crucial component in the employment screening process both pre- and post-hire.
Consent Based Social Security Number Verification (CBSV) Service is administered through the SSA and is usually used by companies that process credit checks, provide mortgage and banking services, satisfy licensing requirements, provide background checks, etc. Any SSN holder can request verification. It should be noted that the CBSV does not verify citizenship, identity, or employment eligibility.
The latest version of the form was released on April 1, 2023. An SSA-89 fillable form is available for download and digital filing below. Form SSA-89-SP (Spanish) is available for Spanish-speaking filers.
Form SSA-89 efficiently verifies whether a name and an SSN combination match the data in the SSA records. It is generally used for a background check or pre-employment screening, credit check, seeking employment, a mortgage loan, a license, and insurance. The CBSV provides real-time validation of an individual's personal data - the full name, SSN, date of birth, and death indicator which helps mitigate identity theft and fraud.
The SSN Verification Form proves that an SSN is actually assigned to you. When you provide your SSN, you use a secure and unique method of identifying yourself. In many cases, mortgage lenders or banks require this document as a protection measure against identity theft. Normally, you will not have to be the one to initiate the process of completing the form. On the contrary, a third party is the one that usually requests you to sign it at the appropriate point in the business transaction process.
Mortgage companies gather information in order to give you the loan. They usually ask for your income and expenses, employment history, loans, and bank accounts, what real estate you already own, whether you are involved in any lawsuits, or filed for bankruptcy. Additionally, they are allowed to ask for your social security number. They have the responsibility to make sure the information you submitted is true to protect themselves and you from identity fraud.
The consent-based SSN Verification Form is different from other social security forms. When you download, print, and complete a paper version of the form, you can simply mail it or take it to the third party that has requested it and that you have listed on the form. After that, the company or its official will enroll in the CBSV and, using the form, will obtain the actual verification of your social security number. Then you will be able to move forward with whatever business transaction you are undergoing.