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  2. May 3, 2024 · How identity theft happens. There are several ways that scammers can steal your identity, including in person, online, through social media, and by phone. Scammers may: Steal your wallet or purse to get ID, credit, or bank cards. Go through your trash to retrieve bank statements or tax documents.

  3. Sep 25, 2020 · September 25, 2020. Did someone use your personal information to open up a new mobile account or credit card? Or maybe buy stuff with one of your existing accounts? Or did they file for unemployment or taxes in your name? That’s identity theft. If any of this happened to you, the FTC wants to help you stop the damage and start recovering.

    • Closing accounts and contacting the police. If you are currently dealing with identity theft, there are important steps you can take right away—including closing your accounts and reporting the identity theft to the police.
    • Protecting your credit. Contact any one of these three nationwide credit reporting companies Equifax , Experian , or Transunion to place fraud alerts and security freezes on your credit reports
    • Fraud alerts. A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before they open a new account, issue an additional card, or increase the credit limit on an existing account based on a consumer's request.
    • Initial fraud alerts. You can place an initial fraud alert on your credit report if you believe you are, or are about to become, a victim of fraud or identity theft.
  4. What is identity theft? Identity theft is a serious crime. Identity theft happens when someone uses information about you without your permission. They could use your: name and address. credit card or bank account numbers. Social Security number. phone or utility account numbers. medical insurance numbers.

    • a company checks your credit history.
    • a new loan or credit card account appears on your credit reports.
    • a creditor or debt collector says your payment is late.
    • public records show that you filed for bankruptcy.
  5. Step 1: Call the companies where you know fraud occurred. Call the fraud department. Explain that someone stole your identity. Ask them to close or freeze the accounts. Then, no one can add new charges unless you agree. Change logins, passwords, and PINs for your accounts. Step 2: Place a fraud alert and get your credit reports.

  6. Advice for Consumers. Spyware and Malware. Phishing Scams. Report Identity Theft. Consumers can report identity theft at IdentityTheft.gov, the federal government’s one-stop resource to help people report and recover from identity theft. The site provides step-by-step advice and helpful resources like easy-to-print checklists and sample letters.

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