What to Do if You Suspect Fraud or Identity Theft

Stop and slow down. If something feels off, do not click links, reply to messages, or send money. Fraud and identity theft often get worse when people feel rushed.

First, protect your accounts

• Use a phone number or website you look up yourself to contact your bank, card company, or the company involved.

• Ask them to check recent activity and help you secure the account.

• Change your password right away on the account you are worried about.

• If you reused that password anywhere else, change it there too.

• If you shared a sign-in code, treat it like you gave away access. Update your password immediately.

Then, protect your credit

• Check your credit reports for accounts you do not recognize.

• Consider locking your credit (often called a “credit freeze”). This helps block new credit accounts from being opened in your name.

• Keep your lock PINs or passwords private and stored safely.

Save proof while it is fresh

• Take screenshots of messages, emails, or listings.

• Write down dates, amounts, phone numbers, and account details.

• Keep receipts, tracking numbers, or transaction records.

Report and follow up

• Report identity theft through an official identity theft reporting site, and follow the steps they provide.

• If a new account was opened in your name, the lender may ask for a report number or paperwork.

• Watch your accounts for charges you do not recognize. Keep checking for a few weeks.

Quick takeaway

When you suspect fraud or identity theft, your job is to slow it down and limit damage. Verify through official contact info, secure your logins, and lock your credit if needed.

Not financial advice. Educational purposes only.