Why You Can't Carry SNILS In Your Passport

2024 Author: Bailey Albertson | [email protected]. Last modified: 2023-12-17 12:53

Why you can't carry SNILS in your passport: scammers do not sleep

SNILS and passport are important identification documents of a person. They are needed when applying for a job, applying for benefits, and conducting financial transactions. If these documents fall into the hands of fraudsters at the same time, the person may hang on loans that he did not draw up.

Actions of swindlers with SNILS and a passport

SNILS is an individual number of a person registered in the state pension insurance system. It is issued once for life, you cannot change the number. You can only replace the plastic green card, which many are used to wearing under the cover of their passport. This is a bad habit that you need to give up.

It is very convenient to carry all documents in one cover, they are always at hand. However, if a person loses a passport and at the same time SNILS, fraudsters can use the documents. This will bring a lot of trouble to the person.

All my acquaintances put a green card under the cover of their passport - it just fits comfortably there. And just one of them got into trouble - a man left a booklet with all the documents in a shopping center. I found the loss only at home, of course, it was too late to run back. He restored the documents, but then he had to go to court and prove that he didn’t pay the loan for the refrigerator, because he hadn’t formalized it.

The most harmless thing that awaits a person in the event of the loss of two documents is the transfer of his pension savings to another fund. During this procedure, all accumulated funds disappear. Of course, a signed application is required for the transfer, but the fraudster already has someone else's passport. And it's easy to forge a signature, as well as re-stick a photo.

The more common and unpleasant scams with a passport and SNILS are loans. Microloan organizations provide such services by requesting only two documents. Neither income statement nor employment documents are needed. A fraudster who owns someone else's passport and SNILS can collect dozens of small loans in the name of someone who has lost their documents.

Such loans can be obtained even via the Internet; personal presence is not required. Of course, microloan organizations do not issue more than 15,000 rubles, but a fraudster can visit several such institutions. In addition to cash loans, a fraudster can get a loan for household appliances, jewelry.

Using the personal account number, the fraudster gets access to the State Services portal. Here he can get information from all government agencies where the person who lost his documents applied. This information can be used for harm.

With the help of these two documents, fraudsters can arrange loans for the person who has lost them.

Lawyers' comments

Lawyers explain that the SNILS number is only needed by the employer when a person gets a job. Also, banks ask for it when they issue loans. In any other situation, this number is not required, and if asked, you should beware of fraud.

Video: why you can't keep all documents in one place

The habit of wearing SNILS under the same cover with a passport can cause a person a lot of trouble. It is better to store these important documents separately, especially since there are not so many situations when SNILS is required.