Signs of Identity Theft: Warning Signs & How to Protect Yourself

Common Warning Signs of Identity Theft

1. Unfamiliar Accounts or Charges

One of the most obvious signs is seeing accounts you didn't open or charges you didn't make:

• Credit card charges you don't recognize
• Bank withdrawals you didn't make
• New accounts appearing on your credit report
• Bills for services you didn't sign up for

2. Missing Mail or Bills

Identity thieves may redirect your mail to intercept financial statements and new credit cards. Watch for:

• Bills that stop arriving
• Expected mail that never comes
• Notifications about address changes you didn't request

3. Unexpected Credit Denials

If you're denied credit unexpectedly, it could mean someone has damaged your credit by opening accounts in your name or running up debt.

4. Calls from Debt Collectors

Receiving calls about debts you don't owe is a major red flag. Debt collectors may be pursuing accounts opened fraudulently in your name.

5. IRS Notifications

Tax-related identity theft is increasingly common. Warning signs include:

• Notice that more than one tax return was filed in your name
• IRS records showing income from an employer you don't work for
• Unexpected tax transcripts

6. Medical Bills for Services You Didn't Receive

Medical identity theft occurs when someone uses your information to obtain healthcare. Watch for unfamiliar medical bills or insurance statements.

How Identity Protection Services Help

Identity theft protection services like IdentityIQ can help you detect and respond to identity theft through:

• Credit monitoring: Alerts when new accounts are opened
• Dark web monitoring: Scans for your personal information on dark web marketplaces
• Identity restoration: Help recovering if you become a victim
• Fraud alerts: Notifications of suspicious activity

What to Do If You Suspect Identity Theft

1. Place a fraud alert on your credit reports
2. Review your credit reports from all three bureaus
3. Report the theft to the FTC at IdentityTheft.gov
4. Contact affected companies to close fraudulent accounts
5. Consider a credit freeze to prevent new accounts
6. File a police report if needed

Protect Your Identity

Compare identity theft protection services to find the right protection for you.

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