The Social Security Administration (SSA) is mandated by law and regulations to obtain
specific information from the organization before authorizing them to serve as Fee-for-Service
(FFS) representative payees.
To strengthen the investigation process for FFS payees, we obtain credit information
about the potential FFS organizational payees from Dun & Bradstreet (D&B). SSA contracts
with D&B to provide credit information on new non-governmental FFS organizational
representative payees. We do not require credit reports for state or local governmental
The information we obtain in these credit reports provide SSA with a better understanding
of potential risk factors that create representative payee business losses due to
fraud, failure, or severe delinquency. The credit report information may provide an
indication of any risk involved in the organization’s current or future performance
as a representative payee.