Understanding What is Identity Theft?
Identity theft occurs when someone uses your personal information without your permission for fraudulent purposes. This can include your name, address, credit card numbers, Social Security number, bank account details, and medical insurance information.
Being aware of the warning signs is crucial for early detection and minimizing the damage. Be vigilant for any unusual activity that could indicate your identity has been compromised.
Spotting Warning Signs of Identity Theft
Be alert for these common warning signs of identity theft: Bills for purchases you didn't make, debt collection calls for accounts you didn't open, and unfamiliar activity on your credit report. Also, watch for denial of loan applications or mail that stops arriving or goes missing from your mailbox.
Report How to Identity Theft
If you suspect identity theft, take immediate action. Report the theft to the Federal Trade Commission (FTC) online at IdentityTheft.gov or by calling 1-877-438-4338. Also, contact the three major credit reporting agencies to place fraud alerts and a credit freeze on your accounts.
Notify the fraud departments at your credit card issuers, bank, and other financial institutions where you have accounts. Use IdentityTheft.gov’s step-by-step guide to help you recover from the theft.
Tax -Related Identity Theft
If you suspect tax-related identity theft, and haven't received a notification from the IRS, learn about filing Form 14039. Completing the Identity Theft Affidavit will help invalidate any fraudulent returns filed using your information.
“Early detection is key to minimizing the damage caused by identity theft.
Identity Theft Prevention Expert
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Identity Theft Quiz
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How Identity Theft Happens
Scammers use various methods to steal your identity, including in-person, online, and through social media and phone. Be aware of these tactics: theft of your wallet or purse; dumpster diving for personal documents; ATM skimming and card readers; phishing emails, texts, and calls; and using social media to gather information.
Protecting How to Protect Yourself From Identity Theft
Protect yourself by: not answering calls, texts, or messages from unknown numbers; never sharing personal information; collecting your mail daily and placing a hold when away; reviewing your credit card and bank statements for suspicious transactions; understanding how ATM skimming works; learning when it's safe to use public Wi-Fi; storing personal information securely, and learning other ways to protect your child’s information from ID theft.
Always be proactive. Take steps to review your credit report regularly, and stay informed about the latest scams and fraud techniques.