RESPONSE GUIDE

Identity theft response checklist

If you see unfamiliar charges, accounts, tax filings, or changes to your credit, work through these steps in order. Keep copies of reports, letters, screenshots, and reference numbers.

1. Secure the affected account

   Change the password from a trusted device, sign out other sessions, update recovery information, and enable multifactor authentication. Contact the provider's fraud team.

2. Review financial activity

   Check bank and card statements. Report unauthorized transactions promptly and ask what documentation is required.

3. Review your credit reports

   Use AnnualCreditReport.com, the federally authorized source, and save copies of all three reports.

4. Consider a fraud alert or credit freeze

   A fraud alert asks creditors to verify identity. A freeze restricts access to your credit file. Learn the differences through the FTC.

5. Create an FTC recovery plan

   Report the incident at IdentityTheft.gov and follow the personalized recovery steps.

6. Monitor and document

   Track calls, letters, dispute deadlines, and account changes. Revisit reports and statements for new activity.

Educational information only; not legal or financial advice.