The security triad is the following: 1. Something you know 2. Something you are 3. Something you have Unfortunately, the security of an SSN is it's somethi

The security triad is the following: 1. Something you know 2. Something you are 3. Something you have Unfortunately, the security of an SSN is it's something which the government gave you, and doesn't fall into the security triad. So when a loan is approved, it's approved with data that may have been made public, either through public records, or through data breaches. The SSN and birth date were never meant to secure financial loans with, and should never have been in the first place.