What To Do If Your Identity Has Been Stolen

What To Do If Your Identity Has Been Stolen – There are many signs of identity theft – some subtle, others bold and immediately noticeable. Having your identity stolen can mean losing money, losing financial opportunities like new jobs or loans, and losing your sense of security. But knowing the signs of identity theft is an important step in mitigating risk while protecting your personal information by using an identity protection service like Standard.

In 2022 alone, the Federal Trade Commission reported more than 1.1 million reported identity thefts in the United States, and identity theft and fraud cost consumers $8.8 billion that year. If you want to reduce your chances of identity theft, check out these common signs of identity theft:

What To Do If Your Identity Has Been Stolen

What To Do If Your Identity Has Been Stolen

If you see unauthorized withdrawals from your bank account or missed credit card payments, this could be a sign of identity theft. Many scammers start by making small deposits and withdrawals before making large payments, so pay attention to your account. It can take a long time to detect credit card fraud, so check these accounts at least a few times a month.

Was Your Email Found On The Dark Web? Do This

One sign that your identity may have been stolen is that you don’t qualify for credit. People who steal your identity can use this information to open new accounts. Then they don’t charge those accounts, which lowers your credit score even more. You may also receive a rejection letter or email regarding an unsolicited card or loan.

If you haven’t received your monthly email, it could be a sign of identity theft. Yes, your identity can be stolen just by name and address – a thief can steal mail directly from your mailbox to access your personal information, or change your address to get your details or order. Intercept packets. your name

If you receive an email or letter about a new account from a non-selling store or credit provider discussing the terms of a loan you didn’t request, this could be a sign that your identity has been stolen. . . Even something as innocent as a free discounted membership can be a sign of a scam in progress.

Regularly checking your credit report isn’t just about monitoring your credit score; This is a good way to find out if a new credit card account or loan has been opened in your name. In addition to credit card accounts, addresses associated with your name will appear on your credit report, so make sure they are correct. If you see something suspicious, quickly disputing an error on your credit report can help limit the damage to your credit.

How To Know (and Check) If Your Identity Has Been Stolen

Although it’s not a good idea to answer calls from numbers you don’t recognize, if the caller leaves you a message saying they’re trying to collect a debt, it could mean your identity has been stolen. Check your credit report to see if you have outstanding accounts. Also, check insurance claims to make sure no one is using your name or insurance information for medical services.

Your Social Security number can be used to apply for jobs, loans, and even insurance, so it’s important to be on the lookout for Social Security fraud. If you discover that someone else has used it, you should contact the Social Security Administration to block your SSN. You can also contact the General Directorate of Professional Inspection to report fraud.

Medical identity theft occurs when someone uses your personal information to obtain treatment or fraudulently pay for medications or devices. If you’re being billed by a provider you haven’t paid for or have never used, it could mean your identity has been stolen.

What To Do If Your Identity Has Been Stolen

If you receive a phone call (even a silent phone call), text message, or email from someone claiming to be offering better insurance rates or an updated Medicare card, don’t give them any personal information. They can steal your personally identifiable information (PII) to steal your identity. If you think your phone is fake, turn it off. You can call the company or organization you claim to have worked for to verify that they are legitimate.

What Is Identity Theft? Definition, Types, And Examples

A sudden drop in your credit score could mean your identity has been stolen. Especially if you haven’t opened a new account or recently accumulated a lot of debt. Once a thief has your information, try to open multiple accounts (or use a stolen credit card number).

We all forget or misspell our passwords from time to time, but if you’re having a lot of trouble accessing an online account (especially if you know you’re using the correct password), it means someone has access to your account. and changed the password. Using two-factor authentication (2FA) can help reduce the risk of losing account access.

Imagine applying for a job, getting a good interview, and then finding out you’ve been disqualified for a crime (even though you know you’re innocent). Identity thieves can use your personal information to create new identities that they can use to commit crimes. If they get caught, it will stay on your record. Scammers can also use employment fraud to avoid paying taxes by adding income to your name and Social Security number.

Major data breaches are more common than we think. Major retailers, medical facilities, and even schools are all sources of data breaches that expose people’s information. Freedom of Information Acts require companies to report these breaches, but it may be too late — someone may have stolen or sold your personal information.

Digital Identity Verification For Financial Institutions

If you see changes to your investments that neither you nor your broker did, it could be identity theft. Such unauthorized changes may adversely affect your financial position, so it is a good idea to check these accounts regularly. If you shop online, change your password and set up two-factor authentication to prevent changes.

If you get a call or letter from your bank saying your check bounced or your debit card didn’t go through while you were withdrawing money, it could mean your identity has been stolen. Check your account for purchases and notify your bank as soon as possible that you haven’t made them. They can temporarily freeze your debit card and change your card number to prevent theft.

Paying insurance benefits can be scary, especially if you don’t get the care your insurance pays for. Finding a service that claims to be in your name is a sign of medical identity theft. This type of theft can occur during a data breach or after a fraudster has successfully obtained the data.

What To Do If Your Identity Has Been Stolen

Whether your taxes are prepared by an accountant or tax professional or you’re doing it yourself, getting a tax refund means someone is hiding your personal information and sending your refund to a different address as part of an IRS fraud or account conversion operation. is. If you contact the IRS and they say they mailed and cashed your check but you didn’t, report fraud.

Ways To Protect Your Identity Against A Data Breach

There are few surprises more than waking up to find that the electricity and water have been turned off. Even worse if you know you have to pay those bills. If you have the money to pay your bill, but your utility is blocked, it could mean a real check was intercepted, your identity was stolen, or a thief got into your bank account and emptied it before you could get paid. money

It’s often exciting to find packages waiting on your doorstep, but what does it mean when the packages have someone else’s name on them or something you didn’t order? This could mean someone stole your identity, forgot to change your address on your online account, or is waiting to retrieve your email from home before you notice. These unsolicited packages may be part of a brush scheme, a way for businesses to increase their number of reviews.

As more and more people become more serious about protecting their privacy and personal information online, companies tend to notify you if someone tries to access an account and fails or is out of range. Where you usually sign. If you’ve ever received a message or email asking you to verify a new, unverified login, don’t click on the link – it could be a phishing attempt to direct you to a fake site. It is legal to send it. . If you enter your login information, the thief has already done so

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