Signs of Identity Theft, and What to Do (FTC Steps)

Someone could be using your name right now, and you might not know it. Here are the warning signs of identity theft, and exactly what to do, from the FTC.

1. Warning Signs

Watch for charges you didn't make, withdrawals you didn't make, accounts in your name you don't recognize, or a bill that suddenly stops coming. That can mean someone changed your address.

2. Step 1: Report It

Report it to the FTC at IdentityTheft.gov. You'll get a personal recovery plan, step by step.

3. Step 2: Fraud Alert

Place a free fraud alert. Contact just one of the three credit bureaus, and they have to tell the other two. It lasts one year.

4. Step 3: Credit Freeze

For stronger protection, freeze your credit with each of the three bureaus, Equifax, Experian, and TransUnion. That blocks new accounts from being opened in your name.

5. Protect Yourself

Going forward, shred old documents, use strong passwords and two factor authentication, and never give personal information to someone who calls, emails, or texts you.