Verifying an Applicant’s Social Security Number: A Guide for Landlords

When managing rental properties, verifying an applicant's Social Security Number (SSN) is a crucial step in the screening process. This guide provides landlords with a comprehensive understanding of how and why this verification is necessary.

Why Verify an Applicant’s SSN?

Verifying an applicant’s SSN is a common practice in the landlord industry, primarily to check the applicant's creditworthiness and ensure that the information provided on the rental application is accurate. Landlords use this information to perform background checks, screening processes, and credit evaluations.

Methods of Social Security Number Verification

There are several methods and services available for landlords to verify an applicant's SSN:

Credit Bureaus: Landlords can run a credit check through established credit bureaus like TransUnion, EquiFax, and Experian. These bureaus provide reports on the applicant's credit history and financial status, which helps in assessing their suitability as a tenant. E-Verify Program: This is a FREE program that allows landlords to verify an applicant’s employment eligibility and SSN through the Department of Homeland Security (DHS) and the Social Security Administration (SSA).

The Process of Verification

To verify an applicant's SSN, landlords can follow these steps:

Request Documentation: Ask the applicant to present their original Social Security card and driver's license. This helps in cross-checking the information and verifying their identity. Run a Credit Check: Input the applicant's SSN into the credit bureau's system. If the information provided on the rental application matches the data in the report, the application is likely valid. Any discrepancies, such as financial irregularities or discrepancies in name and SSN, will raise red flags. Background Check: Use the applicant's SSN to perform a background check. This can provide further details about the applicant's criminal history, employment history, and more.

Common Scenarios and Challenges

While the verification process is generally straightforward, landlords may encounter some common scenarios:

Multiple SSNs: An application might list multiple SSNs, such as those associated with an ex-spouse or child. Upon investigation, it is usually possible to identify which number is valid. Misprints or Typos: Errors in the application can lead to minor discrepancies, which are usually resolved by reviewing the information provided. Identity Theft Attempts: Although rare, landlords should be vigilant for any signs of identity theft, such as inconsistencies in the information provided on the application.

Conclusion

Verifying an applicant's Social Security Number is a critical part of the landlord screening process. By utilizing the appropriate tools and methods, landlords can ensure that they are renting to responsible individuals who can manage their properties effectively. While the process may involve some challenges, the outcome of a thorough verification can significantly contribute to a successful and harmonious rental experience.