What Is the Security PIN and Why Do I Need It?

What Is the Security PIN?

The security PIN is a 6-digit numeric code, entirely separate from your login password, that you set on your TrackMyDebtor.com account. While your password controls who can log in, the PIN controls which sensitive actions can be performed once you're inside your account.

Think of it like a bank card PIN. Your password gets you in the door; your PIN authorizes the transactions that matter. Even if someone gains access to your logged-in session — for example, on a shared computer you forgot to sign out of — they cannot perform consequential actions without your PIN.

Why the PIN Exists

Judgment creditors store genuinely sensitive data in their accounts: debtor names, monitoring history, sweep results, and billing information. A single authentication layer (password only) leaves accounts vulnerable if that password is compromised or if someone gains physical access to an already-logged-in device.

The PIN adds a second checkpoint specifically for the actions that could cause real harm — adding a debtor, triggering a sweep, editing debtor records, or removing a debtor from monitoring. An attacker with only your session cannot do any of these things without the PIN.

Which Actions Require the PIN?

You will be prompted to enter your PIN when performing any of the following:

How to Set Your PIN

If you haven't set a PIN yet, you'll be prompted to create one the first time you attempt a PIN-gated action. You can also set it proactively from Account Settings:

1. 1
   Go to Account Settings → Security

   Log in and navigate to Account Settings. Select the Security section.

2. 2
   Click "Set PIN"

   If no PIN is set, you'll see a Set PIN button. Click it to open the PIN creation form.

3. 3
   Enter and confirm a 6-digit PIN

   Type your chosen 6-digit numeric code, then confirm it by entering it a second time. Both entries must match exactly.

4. 4
   Save

   Click Save PIN. Your PIN is now active.

Changing Your PIN

If you know your current PIN and want to change it, go to Account Settings → Security and select Change PIN. You'll be asked to enter your current PIN first, then set and confirm the new one. This ensures only someone who knows the existing PIN can change it.

Tips for Choosing a PIN

Your PIN should be memorable to you but not guessable by others. Avoid obvious patterns.

How Your PIN Is Stored

Your PIN is never stored in plain text. It is hashed using bcrypt before being saved to our database — the same approach used for passwords. This means that even if our database were ever compromised, your raw PIN digits would not be exposed. We cannot look up or retrieve your PIN; we can only verify whether what you enter matches the stored hash.

Forgot Your PIN?

If you've forgotten your PIN and cannot complete a PIN-gated action, you'll need to reset it via email verification. See Resetting Your PIN for step-by-step instructions on the full reset flow.