What to Do If Your Identity Is Stolen

Was your credit card unexpectedly rejected? Or have you spotted unfamiliar charges on your bank statement? These are just a couple signs of potential identity theft. (Source: Federal Trade Commission) Once you realize your identity has been compromised, you need to act fast. But don’t panic; this guide will walk you through each step you need to take to be sure you recover as quickly as possible.
Step by Step Guide to ID Theft
Contact your bank, credit union, and credit card companies

1. Contact your bank, credit union, and credit card companies

Take extra measures to protect your finances as soon as you realize your identity has been stolen. While credit card fraud is only one small part of identity theft, it can clear out your savings, rack up charges, and ding your credit score.

Someone who’s stolen your identity could access your accounts fairly easily, so we recommend contacting your bank before you start on some of the more time-consuming steps.

ID Theft Fact:
Our Choice
Credit card fraud was the most common type of identity theft in 2017.
Keegan Clements Identity Theft Victim Quote
Contact credit reporting agencies to file a fraud alert and initiate a credit freeze

2. Contact credit reporting agencies to file a fraud alert and initiate a credit freeze 

File a fraud alert

A fraud alert makes it harder for someone else to apply for credit in your name. If you’ve got a fraud alert on your report, a business has to confirm your identity before issuing new credit. Fraud alerts are free and last for a year. You need to contact only one credit bureau—after you file a fraud alert with one credit bureau, it must tell the other agencies. (Source: Federal Trade Commission)
Experian Logo
Experian: Place fraud alert online or call 1-888-397-3742  
Transunion Logo
TransUnion: Place fraud alert online or call 1-800-680-7289  
Equifax Logo
Equifax: Place fraud alert online or call 1-800-525-6285  

Initiate a credit freeze

When you apply for a new loan or line of credit, a creditor often checks your credit report and history to see whether you qualify and to set an interest rate.

A credit freeze limits access to your report so new creditors can’t access it. This freeze can prevent someone else from taking out a new loan in your name.

Don’t worry—it’s easy to unfreeze your credit if you need a new car loan or credit card; just contact the credit bureaus again and ask them to unfreeze your reports.

To freeze your credit, you need to contact all three credit bureaus separately. Use the links below to get started.

Experian credit freeze

TransUnion credit freeze

Equifax credit freeze

Go through credit reports and bank statements

3. Go through credit reports and bank statements

Credit reports

You can get one free report a year from each of the three credit bureaus. If you want more frequent access to updated credit reports, you may want to sign up for a credit monitoring service. Visit this link to get your free reports or call the FTC at 1-877-322-8228. Once you get your credit reports, print out copies and use a highlighter to mark anything suspicious. Create a new document for each credit bureau and list any information on the report that is the result of identity theft. We recommend looking for the following:
  • Accounts you don’t remember opening
  • Charges you don’t remember making
  • Unexpected credit history inquiries

Bank and credit card statements

Gather the last 12 to 18 months of bank and credit card statements and look for any fraudulent charges. If you find something, contact your bank as quickly as possible. In some cases, they’ll remove the charges. (Credit cards usually have more protections than debit cards for this kind of issue.) If you share accounts with someone else, go through your statements together in case one of you made a purchase the other person doesn’t remember.
Barry Kellsel CMO Identity Guard Quote
File an ID theft report with the FTC and make a local police report

4. File an ID theft report with the FTC and make a local police report

An official report is no guarantee that an identity thief will be caught, but having FTC and police reports will help you counteract the damage and bolster your claim.

FTC report

Visit this link to file an identity theft report with the FTC. Print out a copy of your report to reference in conversations with businesses and credit bureaus. If you register for an account when you file your report, the FTC will also provide personalized guidance to help you recover from identity theft. If you register for an account, you'll get personalized guidance on what to do next.

Police report

Your local police department may not have the time and resources to hunt down the person who stole your identity. But having an official case number will lend credibility to your cause when you tell a business a charge on your card is fraudulent. Since the processes of filing a police report vary from one area to the next, you’ll need to do a bit of googling on your own to find the contact information for your local police department.
Gregg Scott Identity Theft Victim Quote
Dispute fraudulent charges and credit report information

5. Dispute fraudulent charges and credit report information

Unfortunately, this is the tedious part—especially if thieves made a lot of charges in your name. Go through the list of fraudulent charges and accounts that you put together in step 3. Then contact each affected business and ask them to remove fraudulent charges or close accounts that were opened in your name. The FTC has gathered contact information for many large companies, so start by checking that list for major places you’ll want to contact. Company contact list Send letters to each credit bureau asking them to block information from your report that’s there as a result of identity theft. Use the information you gathered in step three and reference the FTC’s sample letter to get you started. Include the letter, a copy of your report from that bureau with issues highlighted, and a separate document listing out all the issues on the report. Sample letter
ID Theft Fact
By The Numbers
Victims of account takeover (a common type of identity theft) spent an average of 15 hours resolving fraud in 2018.
Robert Siciliano Security Expert Quote
Check government guides for special circumstances

6. Check government guides for special circumstances

The advice in this guide can help you handle most cases of identity theft, but some situations require specialized solutions.

Most of the advice here will still be relevant, but if you need help handling child identity theft, medical ID fraud, or another unique situation, check these specific guides:

Child identity theft guide

Medical ID fraud

Taxes and identity theft

Take extra measures to protect yourself in the future

 7. Take extra measures to protect yourself in the future

When your identity has been stolen, you’ll need to take extra steps to protect your future:
  • Update all your accounts with new passwords.
  • Pay with credit cards instead of debit cards when possible.
  • Start checking your bank and credit card statements every month to watch for suspicious activity.
  • Consider setting up an extended fraud alert with each credit bureau. (ExperianEquifaxTransUnion)
  • Consider signing up for identity theft protection to get help monitoring your information. IdentityForce is a great option for protection and one we highly recommend.
Our favorite identity theft protection services
Best overall coverage and value
Zander Insurance
Best budget-friendly protection
Experian IdentityWorks
Good identity and credit monitoring
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Identity Theft Reports by State
Check out the map below to find out how many identity theft reports were made in your state in 2018.
Identity Theft by State Map

ID Theft Losses by State

Although identity theft is a national issue, processes vary from state to state. For example, some states provide an “ID theft passport,” an indication on your driver’s license that you’re an ID theft victim. This gives you more credibility when resolving issues with businesses. For more information on identity theft laws, see the National Identity Theft Victims Assistance Network.

Use the list below to find more identity theft resources in your state.

Identity Theft Fact Checklist