How To Find If Your Identity Has Been Stolen – Get worry-free credit card payments. Identity theft is more common than you might think. In 2018, approximately 60 million Americans experienced identity theft. If you believe you have been a victim of identity theft; Follow these steps to protect your name and credit.
Has your bank told you about special fees? If so, check your bank account. The first red flag of identity theft is an unauthorized claim. If your account is overdrawn, temporarily close or ask your bank to close it to avoid fees.
How To Find If Your Identity Has Been Stolen
Contact the credit bureaus (Experian, Equifax, TransUnion) and request a notification. The notification will last 90 days and make it harder for an identity thief to open multiple accounts in your name.
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Request a credit report from all three reporting agencies and look for any accounts you may have overlooked. Also, check your unknown payment history and unknown personal information.
Go to the FTC’s website and fill out the Identity Theft Complaint and Application form and your documents. Both forms, along with a police report, serve as an identity theft report. The report will help you dispute fraudulent accounts.
Report the theft to law enforcement. Then get a copy of the police report. Make sure the police report shows fraudulent accounts. Also, file an identity theft report from the FTC with the police.
In the event of a data breach; You may be subject to a credit check. These services check your credit reports for suspicious activity and send alerts if new accounts are opened in your name.
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For security purposes, you can close all accounts and open new ones to prevent damage. The thief can get your money back later; So talk to your financial institution and decide whether or not to close your account. It is the best decision to close or not.
The best way to protect your personal information is to regularly update your online accounts. You have letters, If you have a strong password that contains a mix of numbers and symbols. Your account cannot be affected. Do not use passwords for multiple accounts; Remove your address and/or phone number from public profiles or social media sites.
Lowcountry Bank takes identity theft seriously; So if you are a victim of identity theft, you should follow these steps and contact us at (843) 549-2265. If you notice suspicious activity at your bank, contact your bank immediately to help secure your account. Do you suspect you are a victim of identity theft? you are not alone. The number of identity theft reports, which has been on the rise for decades, has increased dramatically in the last few years.
But these are just judgments. A recent study found that 47% of Americans have died from identity theft in the past two years. [*]
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1. Use Unfamiliar Activities for Assets Most identity thieves have one goal: turn your information into money as quickly as possible.
That’s why you should always have a recent copy of your credit report. You should also develop the habit of reviewing your financial statements every month.
It’s important to learn to recognize the warning signs of identity theft. A recent study found that about half of consumers who find themselves at financial institutions are victims of identity theft.
You can get a free credit report from every credit bureau (including American Express, Equifax and TransUnion) at annualcreditreport.com.
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When reviewing your credit history, look for major issues you didn’t know about or new accounts you haven’t opened yet.
Check your credit card and bank accounts for signs of fraud, no matter how small. Criminals often try out stolen cards for a few dollars before making larger purchases.
What does this mean for you? If there is unusual activity on your credit file; This means thieves can use your Social Security Number (SSN) or new credit cards; It could mean that thieves have stolen other personal information that can be used to get loans or take out loans in your name.
Suspicious purchases that appear on your bank or credit card transactions indicate that your card number has been stolen and that the thief is doing something illegal.
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If you see these red flags, you should immediately stop the loan and report the fraud to your financial institution.
Account suspension may be necessary where fraud occurs, as this is a necessary step for proper damage control.
2. Life insurance benefits If you are denied health insurance or benefits from a government agency, such as unemployment. This is a sign that someone has stolen your identity.
Imposters take advantage of people who need financial assistance from the U.S. government, and one of the most abused types of identity theft during the pandemic is benefit fraud.
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Hackers can steal your information in a phishing attack or find it on the dark web after a data breach.
For example, T-Mobile’s 2021 breach names more than 40 million people Dates of birth and social security numbers were identified. [*]
Your health insurance information can be stolen when someone uses your health benefits for medical treatment.
There’s another government benefit that doesn’t categorize like this. But what matters is the tax refund. This type of fraud is so prevalent that it deserves its own category.
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3. Tax returns only when you receive the dreaded message of incorrect (or missing) taxes: Someone has already filed a tax return on your behalf.
Or, in other words, the IRS accepts your return; But they sent you a letter saying something was wrong and you need to follow up on your taxes.
Taxes are the most common targets for fraud. Unfortunately, The IRS is not able to help you in a tax fraud case.
What does this mean for you? An existing credit card can indicate a thief who files for a tax refund on your behalf.
Signs Of Identity Theft
For example, An Illinois man pleaded guilty to identity theft in May 2022. Collected $222,000,000 in bogus taxes issued in innocent names.
If your tax return shows a discrepancy, it could be because someone used your personal information to apply for a job. Worse, the IRS can show you your income back.
4. Locked out of your online account You are trying to access an important online account but you cannot. It can’t even remember your email when you try to reset your password. Your account has been locked.
The average American has 150 online accounts. Even the best internet security tools can’t protect data – passwords are a top way for hackers to steal them.
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Last year it introduced new standards for the security of personally identifiable information (PII):
What does this mean for you? If you can’t log in to your account (or reset your password); It means it has been verified by the scammer.
Financial institutions were the worst hit. bank account A thief in a credit card or digital wallet can withdraw until the account balance reaches zero.
You can’t keep your Macy’s account online if you haven’t used it for five years. However, if compromised. Criminals can purchase products with your credit card information.
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5. Missing Physical Mail Mail theft is one of the worst scams. Someone has invaded your life by hitting your inbox.
Although your mailbox is checked regularly and encryption is used to remove sensitive documents and financial information. You will never be completely safe.
In June 2022, a Florida postal worker pleaded guilty to opening and stealing nearly 100 pieces of mail.
What does this mean for you? Email is a target for fraudsters because it contains sensitive information that can be stolen through identity theft. This information includes your name; phone number, May include addresses and account numbers.
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Bank statements; medical records; Tax documents and certified mail can also be used for identity theft.
6. Missing Ids or Official Documents You are getting ready to leave work in the morning and suddenly realize that your wallet is missing.
If you lose any type of official document (especially your driver’s license) or your entire wallet. You are at high risk of identity theft.
What does this mean for you? A thief who has access to an ID or physical credit or debit cards is more likely to steal your identity than someone who steals your identity on the dark web.
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An ID or credit card contains all the information needed to commit fraud.
7. You can use the dark web for free to ensure that your information is not found on the Dark Web and your personal information is not exposed.
What would you do if someone was there?
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