Why Identity Protection Matters
Identity theft affected over 15 million Americans last year, with average losses of $1,000+ per victim. Beyond financial loss, victims spend an average of 200 hours resolving issues. Prevention is far easier than recovery.
Secure Your Accounts
Use Strong, Unique Passwords
- At least 12 characters
- Mix of letters, numbers, symbols
- Different password for each account
- Use a password manager
Enable Two-Factor Authentication
- Use authenticator apps over SMS
- Enable on all financial accounts
- Keep backup codes secure
- Consider hardware keys for extra security
Monitor Your Accounts
- Check accounts weekly
- Enable transaction alerts
- Review statements monthly
- Report suspicious activity immediately
Secure Your Devices
- Keep software updated
- Use antivirus protection
- Lock devices with PIN/biometrics
- Enable remote wipe capability
Protect Your Credit
Freeze Your Credit
A credit freeze prevents new accounts from being opened in your name. It's free and doesn't affect your credit score. Freeze with all three bureaus:
- Equifax: equifax.com/personal/credit-report-services/
- Experian: experian.com/freeze/
- TransUnion: transunion.com/credit-freeze
Set Up Fraud Alerts
Fraud alerts require creditors to verify your identity before opening new accounts. They're free and last one year (or seven years for identity theft victims).
Check Your Credit Reports
Get free reports at AnnualCreditReport.com. Review them for accounts you don't recognize.
Avoid Common Scams
- Phishing emails/texts: Banks never ask for passwords via email. When in doubt, call the number on your card directly.
- Phone scams: Don't give information to incoming callers claiming to be your bank. Hang up and call back using the official number.
- Public WiFi: Never access banking on public WiFi without a VPN. Use mobile data instead.
- Skimmers: Check ATMs and card readers for loose parts. Cover your PIN when entering.
- Too-good-to-be-true offers: Be skeptical of unsolicited offers, prizes, or urgent requests.
If You're a Victim
- Contact your bank immediately
Report fraudulent transactions. They can freeze accounts and issue new cards.
- Place a fraud alert
Contact one credit bureau - they'll notify the others.
- File reports
Report to FTC at IdentityTheft.gov and file a police report.
- Change all passwords
Start with financial accounts, then email and other important accounts.
- Monitor closely
Check accounts daily for weeks after an incident.
Check Your Credit for Free
Monitor your credit regularly to catch fraud early.
Free Credit Check Guide