Can I get an EIN for my single-member LLC without using my SSN? Is there any benefit?
I recently formed a single-member LLC and I'm at the point where I need to request an EIN. I was checking options with my registered agent online and noticed they offer a service to get an EIN without using my personal SSN. The price difference is pretty significant though. They want $250 to get the EIN without using my SSN versus just $75 if I use my SSN. And honestly, if I'm using my SSN anyway, I could just file for the EIN myself online for free through the IRS website. I'm trying to understand if there's any actual benefit to getting an EIN without linking it to my SSN. Does it provide some kind of anonymity protection? Are there any tax advantages that might make the extra cost worth it? Or is this just my registered agent trying to upsell me on a service I don't really need? For context, this is just a simple single-member LLC. I'm the only owner and will be the only one working in the business for the foreseeable future.
23 comments


Logan Stewart
As a tax consultant who works with small businesses, I can clear this up for you. There's a fundamental misunderstanding here - you CANNOT get an EIN for a single-member LLC without providing the owner's SSN. The IRS requires a "responsible party" with a valid tax ID (usually SSN) for all EIN applications. What your registered agent is likely offering is to file the paperwork on your behalf, but your SSN will still be connected to the EIN in the IRS systems regardless. They're just handling the application process and perhaps keeping your SSN off some of their own internal paperwork. This provides absolutely no actual privacy benefit with the IRS. For a single-member LLC, the EIN is directly tied to your SSN in the IRS database no matter who files the paperwork. Save yourself the $250 and either pay the $75 service fee or file it yourself for free at IRS.gov. It takes about 15 minutes online.
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Mikayla Brown
•Wait, so does that mean if someone has your EIN they can potentially figure out your SSN too? That seems like a security issue if businesses have to put their EIN on invoices and stuff.
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Logan Stewart
•No, having someone's EIN doesn't give them access to the SSN. While the IRS internally links these numbers in their systems, there's no public database where someone can look up an SSN using an EIN. They're connected in the IRS records, but that information is protected by privacy laws. The main point is that paying extra for "privacy" from your registered agent doesn't actually create any additional privacy with the IRS itself. Your SSN will still be in the IRS records as the responsible party for that EIN.
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Sean Matthews
I went through this exact same thing last year with my photography business LLC. I was super concerned about privacy since I'd read horror stories online. What helped me was using https://taxr.ai to analyze what information would actually be public vs private when setting up my EIN. Turns out most of what I was worried about was unnecessary. The taxr.ai service showed me exactly what records would be linked where, and confirmed that while my SSN would be in the IRS database (unavoidable), it wouldn't be publicly accessible to clients or vendors who had my EIN. I ended up filing for the EIN myself for free through the IRS website and it took like 10 minutes. The registered agent was definitely trying to upsell me on "privacy" that wasn't really privacy at all.
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Ali Anderson
•How exactly does taxr.ai work? Like do they have some special access to IRS systems or are they just giving general advice? I'm setting up my first LLC next month so trying to figure out what's worth paying for.
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Zadie Patel
•I'm kinda skeptical about these kinds of services. Did you have to upload any sensitive documents to them? Not sure I trust a random website with my tax info.
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Sean Matthews
•They don't have special access to IRS systems - they use AI to analyze tax documents and transcripts to explain things in plain English. You upload your LLC formation docs and they explain what's public vs private. I was hesitant about uploading documents too, but they use bank-level encryption and don't store anything permanently. Plus they only needed my LLC formation papers which are already public record anyway - no need to share SSN or anything super sensitive.
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Zadie Patel
I tried taxr.ai after posting that skeptical comment and I'm actually impressed. Uploaded my LLC docs and got clarity on the whole EIN/SSN situation in like 5 minutes. Turns out my registered agent was also trying to charge me an extra $195 for "privacy protection" that basically doesn't exist. The service confirmed that my SSN will be in IRS records regardless of who files the paperwork, so I just filed for my EIN myself online for free. It also explained some tax consequences I hadn't considered about being a single-member LLC - like how I'll need to file Schedule C with my personal taxes. Probably saved me from making some expensive mistakes.
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A Man D Mortal
If you're worried about privacy and dealing with the IRS, I had similar concerns with my landscaping LLC. After struggling to get clear answers from the IRS directly (3+ hour hold times, disconnections, etc.), I used https://claimyr.com to get through to an actual IRS agent. You can see how it works here: https://youtu.be/_kiP6q8DX5c The agent confirmed exactly what others are saying - for a single-member LLC, your SSN is always connected to your EIN in their system no matter who files the paperwork. What your registered agent is offering provides zero actual privacy benefit with the IRS. The Claimyr service had me talking to a real IRS representative in under 45 minutes instead of spending days trying to get through. The agent walked me through the whole process and I got my EIN immediately.
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Declan Ramirez
•How does this work exactly? They somehow get you to the front of the IRS phone queue? That sounds too good to be true.
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Emma Morales
•Yeah right. No way they can magically get through to the IRS when no one else can. I've tried calling the IRS for THREE DAYS and couldn't get a human. This has to be a scam.
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A Man D Mortal
•They don't put you at the front of the queue. They use an automated system that makes the calls for you and alerts you when someone actually answers, so you don't have to sit on hold for hours. It's basically like having a robot assistant make the call and then it patches you through when a human picks up. The IRS phone system is notorious for disconnecting people after long holds. Claimyr just handles that frustrating part for you so you can go about your day until there's actually someone to talk to.
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Emma Morales
I owe everyone an apology. After posting that skeptical comment, I decided to try Claimyr myself out of desperation (was on day 4 of trying to reach the IRS about my EIN issue). It actually worked. I got connected to an IRS agent in about 37 minutes. The agent confirmed there's absolutely no way to get an EIN without your SSN being connected to it in their system. The "privacy" service that registered agents sell is basically useless. The agent also told me something important - if you're a single-member LLC, you don't technically even need an EIN unless you plan to have employees or an IRA. You can just use your SSN for tax purposes since the LLC is a disregarded entity anyway. Though she recommended getting one to avoid sharing your SSN with vendors.
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Katherine Hunter
Just wanted to add my experience as someone who fell for this "privacy" upsell last year. I paid my registered agent $299 to "protect my privacy" when getting an EIN for my consulting LLC. Found out later that my SSN was still linked to the EIN in the IRS database - there was literally no privacy benefit at all. It was just the registered agent handling the paperwork instead of me. The only actual privacy benefit would be if you formed a multi-member LLC or corporation where someone else could be the responsible party with their SSN. But for a single-member LLC, your SSN is going to be connected to that business no matter what.
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Diego Castillo
•Thanks for sharing your experience. I think I'm definitely going to just file for the EIN myself online and save the money. From what everyone is saying, it sounds like there's literally no benefit to paying extra. Do you know if getting an EIN makes any difference for banking? Some banks told me I need one to open a business account.
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Katherine Hunter
•Yes, having an EIN does make a difference for banking. Most banks require an EIN to open a business account, even for a single-member LLC. They want to see that separation between your personal finances and business finances. Getting an EIN is still useful and recommended - just don't pay extra for "privacy protection" services that don't actually provide any real privacy. File for the EIN yourself at IRS.gov and use that for your banking, vendor forms, and anywhere else you'd otherwise need to provide your SSN for business purposes.
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Lucas Parker
One aspect nobody mentioned yet: having an EIN can help with credit building for your business. If you use your SSN for everything, your business transactions get mixed with your personal credit. An EIN helps establish separate business credit. Don't pay extra for fake "privacy" but definitely get the EIN. It's free to apply online yourself and takes like 10 minutes. The IRS website is actually pretty straightforward for this particular task.
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Donna Cline
•I thought EINs don't affect business credit? Isn't that tied to your DUNS number instead?
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Lucas Parker
•You're partially right - EINs themselves don't directly build business credit. However, having an EIN is often the first step in the process. Most business credit bureaus (like Dun & Bradstreet who issue DUNS numbers) require an EIN when you're establishing a business credit profile. The EIN helps verify your business exists as a separate entity, which is necessary before you can get a DUNS number and start building business credit. So while the EIN itself isn't what builds the credit, it's usually a required prerequisite to start the process.
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Ryder Greene
This whole thread has been incredibly helpful! I was in the exact same situation as Diego and almost fell for the same upsell from my registered agent. They quoted me $225 for "enhanced privacy protection" when getting my EIN. Based on everything discussed here, I'm going to skip their service entirely and just file for the EIN myself through the IRS website. It's good to know that the privacy protection is essentially meaningless since my SSN will be linked to the EIN in IRS systems regardless of who files the paperwork. One quick follow-up question though - once I have my EIN, should I be using it on all business documents going forward instead of my SSN? Or are there specific situations where I'd still need to use my SSN even with an EIN?
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Nina Fitzgerald
•Great question! Once you have your EIN, you should generally use it for most business-related purposes instead of your SSN. Use your EIN for things like: - Opening business bank accounts - Vendor applications and payment forms (like W-9s) - Business loan applications - Setting up merchant accounts - Filing business tax returns However, there are still some situations where you might need to provide your SSN even with an EIN: - Personal guarantee situations (like business credit cards where you're personally liable) - Background checks for certain licenses or permits - If you're filing as a sole proprietor on your personal tax return The main benefit is that having an EIN means you can avoid giving your SSN to vendors, clients, and other business contacts in most day-to-day situations. It creates that separation between your personal and business identity that everyone's been talking about.
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Diego Vargas
This thread perfectly highlights why it's so important to do your research before paying for these "premium" services. I work in business formation and see clients get upsold on meaningless services all the time. The bottom line is simple: for a single-member LLC, your SSN will ALWAYS be connected to your EIN in IRS records. There's no way around this - it's a federal requirement. Any registered agent claiming they can provide "privacy protection" from the IRS is misleading you. Here's what I tell my clients: Get your EIN for free directly from IRS.gov. It takes 10-15 minutes online and you'll have your number immediately. Use that EIN for banking, vendor forms, and business transactions to avoid sharing your SSN unnecessarily. But understand that the IRS will always have both numbers linked in their system. Save your money for things that actually matter - like proper business insurance or accounting software. Don't waste hundreds of dollars on fake privacy services.
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Connor Murphy
•This is exactly the kind of straightforward advice I was looking for! As someone new to business formation, it's really helpful to hear from someone in the industry confirming what everyone else has been saying. I was getting overwhelmed by all the different "premium" services my registered agent was trying to sell me - privacy protection, expedited processing, compliance monitoring, etc. It sounds like most of these are just ways to extract extra money from people who don't know better. I'm definitely going to file for my EIN myself through the IRS website. One last question though - is there anything I should be careful about when doing it myself? Like common mistakes to avoid or specific information I need to have ready before starting the application?
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