SSN Trace is a pointer search that searches various commercially available data sources to establish a candidate’s address history. Checkr leverages SSN Trace to obtain candidate address history as well as aliases to inform subsequent background screenings.
SSN Trace exceptions may occur if there is a material discrepancy between submitted candidate information and information returned by the SSN Trace. The SSN Trace exception handling process is designed to address these discrepancies as they arise.
SSN Trace exception types
Checkr issues 6 types of SSN Trace exceptions. Resolution paths are based on the nature of the data discrepancy.
| Exception Type | Discrepancy | Resolution Path |
|---|---|---|
| Death Master File Hit | SSN entered is listed on the Social Security Administration's “Death Master File” (DMF). | Candidate receives an email request to confirm their SSN. If still unresolved, the report will be suspended. |
| SSN Issuance Year Mismatch | The entered SSN has a year of issuance that precedes the candidate's year of birth. | Candidate receives an email request to confirm their SSN. If still unresolved, the report will be suspended. |
| Data Mismatch | None of the information returned from the SSN trace matches the candidate’s provided information. | Candidate receives an email request to confirm their SSN. If still unresolved, the report will be suspended. |
| No Data (Thin File) | No address history was returned from the SSN trace. This is typically referred to as a “thin-file” case, which is common for young and/or underbanked people. | Candidate receives an email request to confirm their SSN. If no data is returned for the confirmed SSN, the report will proceed with a “No Data” message. |
| Name Mismatch | The candidate’s date of birth matches the data from the SSN Trace, but not the name. | Candidate receives an email request to upload a copy of their photo ID. |
|
DOB Mismatch |
The candidate’s name matches the data from the SSN Trace, but not the date of birth. | Candidate receives an email request to upload a copy of their photo ID. |
Note: In some edge cases, when candidates dispute the exception following confirmation (by claiming that the SSN submitted was correct and the SSN Trace data returned were erroneous), Checkr team members may manually override the suspension if the candidate can produce documentation (such as an SSN card) that ties the SSN to their name.
SSN Trace exception workflow
The exception handling process is illustrated in the following diagram:
Note: If no Date of Birth is returned from an SSN Trace, and there are no matches between the submitted and the returned candidate name, Checkr handles the lack of Date of Birth as a Date of Birth mismatch, and flags a Data Mismatch exception.
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