Signs Your Identity Has Been Stolen
Identity theft often starts quietly. Recognizing the early signs can help you act before the damage grows.
Unfamiliar accounts or charges
New credit cards, loans, or accounts you don't recognize on your credit report are one of the clearest signs.
Missing mail or bills
Bills or statements that suddenly stop arriving may mean a fraudster changed your mailing address.
IRS or benefits notices you didn't expect
A notice about a tax return you didn't file, or a denial of benefits because you're 'already' receiving them, can indicate someone used your Social Security number.
Collection calls for debts you don't recognize
Being contacted about debts that aren't yours is a strong signal your information has been used fraudulently.
Denied credit unexpectedly
An unexpected credit denial can mean your file shows debt or activity you didn't create.
Key takeaway
Missing mail, unfamiliar accounts, and unexpected IRS notices are all early warning signs worth acting on quickly.