Identity theft is any crime that involves someone wrongfully obtaining and using another person’s personal data in a fraudulent manner, usually to steal money. The identities of roughly nine million Americans are stolen each year. If you notice even one of the warning signs below, download “Help for ID Theft Victims (PDF)” for step-by-step instructions on how to report the theft, recover losses, and stop the damage.
Most victims won’t know their identity has been stolen until well after it happens because they don’t know the warning signs. The sooner you become aware of the theft, the less damage a thief can do.
If you notice any of the warning signs below, download Help for ID Theft Victims (PDF) to learn how to report the theft, recover losses, and stop the damage.
Unfamiliar purchases or missing money
Always check billing statements for purchases or transactions you didn’t make. Unexpected purchases or transactions indicate that someone has stolen your account number.
Surprises on your credit report
There are three major credit reporting companies, each of which is required to provide you with one free copy of your credit report every year upon request. Contact them directly to order your reports:
Read your credit reports carefully for signs of identity theft
Unfamiliar active or cancelled loans or accounts are signs your identity has been stolen.
"Credit inquiries" from unfamiliar companies could mean someone has tried to open an account with your identity.
Mysterious medical bills
If you receive bills from doctors or medical facilities for services you never used, someone is using your identity to get medical treatment or insurance.
Unexpected or missing bills
If a monthly bill stops showing up in the mail, it may have been stolen or redirected to a different address by an identity thief.
Be suspicious of a notification of mail redirection from the post office that you never requested.
Denied employment or credit
A thief who isn’t paying the bills on an account opened with your information could drastically affect your credit rating.
An unusually high interest rate on a new account could signal a bad credit rating due to identity theft.
If you’re turned down for a job after a background check, you could be an identity theft victim.
Collections agencies contact you
If debt collectors contact you about debt you know nothing about, your identity may have been stolen.
You receive (or are denied) credit cards or charge cards you never requested
Call the card issuer about a credit or retail charge card you receive but didn’t request.
Contact the card issuer if you receive a notice denying an application for credit for which you never applied.
If you notice even one of the warning signs above, you need to take immediate steps to protect your assets. Download Help for ID Theft Victims (PDF) for step-by-step instructions on how to report the theft, recover losses, and stop the damage.
If you believe your identity has been stolen, it is important that you act immediately to minimize the damage to your credit rating. Download "Help for ID Theft Victims" (PDF) and learn how to stop the damage.
Identity theft may affect many aspects of our lives beyond the immediate financial losses.