In my post from last week, I focused on how I had store credit cards at a couple different stores and I was able to use my credit card by typing in my social security number on the keypad. It is understandable that I would give my social security number in an application for credit because it is my identifier; it shows I am a real person and I have a credit history. However, after being approved, I do not see a need for the company to hold on to my social security number. They can keep up with my name, telephone number, address, my favorite pets name and the name of the high school my grandmother went to, because all of that information can be changed; I will not have to worry if the company gets hacked because they really cannot do anything with the information. The company can still track me and my purchases when I use the credit card and do whatever they want, internally, with that information. But, if the company gets hacked, and my social security number falls into the wrong hands, bad things will happen...identity theft bad.

In a lot of cases, your social security number is used to verify your identity. I would suggest, instead of using the social security number, a PIN is used. Upon acceptance for the credit card (or any other situation where you social is provided), you have a PIN assigned to represent your identity within the company's database and your SSN information is erased. This way I get the convenience of using my store card without having the physical card with me, the company can still build a profile, and I do not have to worry about the security of my most private information.

Ive noticed recently with AT&T, they have moved to the PIN based verification process. Before when you called, they asked for you to verify the last four digits of the primary account holder, but now you create a PIN and they use that for verification. I cannot confirm they do not still have social security numbers stashed away, but it feels less invasive when I call now.

comment on this post with your thoughts, 300-500 words please. With a reference.