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Identity Theft

Learn more about identity theft and what to do if you’re a victim.

Identity theft occurs when one’s personal and/or financial information is stolen and/or used without authorization. 

Identity theft has nearly tripled over the past decade which is largely attributed to the increase in data breaches occurring across the globe and here in the United States. Identity theft can also occur due to:

  • Social engineering conducted via methods such as phishing, smishing and vishing attacks
  • Mail theft
  • Providing sensitive information to compromised websites
  • Downloading malware
  • Dumpster diving
Person looking at a mobile and computer screen.

Here are some helpful tips to prevent identity theft:

  • Regularly monitor your financial accounts, statements and credit reports for unauthorized transaction and/or new lines of credit in your name.
  • Review credit inquiries on your credit report.
  • Do not leave sensitive information in the mailbox unattended.
  • Shred all documents containing sensitive information such as first and last name, address, phone number, email address, date of birth, driver’s license number, SSN, financial account numbers and even credit card offers.
  • Use secure websites to prevent unknowingly providing sensitive information to a fraudster.
  • Implement security alerts on your financial accounts to notify you directly when something suspicious triggers an alert.
  • Consider applying a credit freeze with the credit bureaus.
    • Be mindful you will need to unfreeze your accounts to apply for new credit.

If you find yourself a victim of identity theft, it is important to report the incident(s) to local authorities and your financial institutions to begin potential recovery efforts. It’s also important to discuss identity theft with family members and friends to help raise awareness and education.

It’s important to note that a fraudster may significantly delay using your stolen identity. Fraudsters may wait several months to several years before abusing your identity. If your identity has been stolen and nothing has happened, it is still very possible that the information may be used against you. Even if nothing has happened, consider following the tips above to protect yourself from delayed identity theft consequences.

Read more about additional tips on reporting identity theft.