What to Do After Identity Theft
If your identity has been stolen, time is critical. This guide walks you through every step to minimize damage, restore your credit, and protect yourself moving forward.
Start Recovery NowSteps to Take Immediately
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1. Place a Fraud Alert on Your Credit Report
Contact one of the three credit bureaus (Experian, Equifax, TransUnion) to add a free, 90-day fraud alert. It will notify creditors to verify your identity before issuing credit. -
2. Check All Accounts for Suspicious Activity
Review recent transactions, logins, and statements from your bank, credit cards, and online accounts. Report anything suspicious immediately. -
3. File a Report with the FTC
Visit IdentityTheft.gov and complete their guided recovery plan. It generates a personalized checklist and pre-filled reports for creditors. -
4. File a Police Report (if necessary)
Some creditors require a police report to process disputes. Bring your FTC report and evidence of the fraud. -
5. Freeze Your Credit
Unlike a fraud alert, a credit freeze blocks all new credit until lifted. It’s free and can be done with each credit bureau individually.
Prevent Future Identity Theft
Identity theft is often a repeat crime. Investing in a reliable identity protection service can help you catch threats early, monitor key accounts, and reduce future risk.
Compare Protection PlansTake Back Control of Your Identity
Recovery is possible. Use our tools and partner services to get your identity back — stronger and safer than before.
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