What It Is
Identity theft happens when someone uses your personal details—such as Social Security number, bank account, or credit card—to open accounts or make purchases without permission.
Warning Signs
- Bills or statements for accounts you did not open.
- Charges on your card that you don’t recognize.
- Mail going missing, or new cards you did not request.
- Debt collectors contacting you about unknown accounts.
How to Protect Yourself
- Shred sensitive documents before throwing them away.
- Check bank and card statements regularly.
- Use strong, unique passwords and 2FA.
- Limit what personal information you share on social media.
What to Do If It Happens
- Contact your bank or card issuer immediately.
- Place a fraud alert or freeze on your credit with major credit bureaus.
- Change passwords for affected accounts.
- Report identity theft to the FTC.