How Do I Know If My Identity Has Been Stolen?

Some of the signs your identity might have been stolen:

  • Bills and statements don't arrive when they are supposed to — they may have been stolen from the mailbox or someone has changed the mailing address.
  • You receive calls from collection agencies or creditors for an account you don't have or that is up to date. Someone may have opened a new account in your name, or added charges to an account without your knowledge or permission.
  • For information about changes to the Consumer Reporting Act that came into effect January 1, 2008, see the Personal Finance section of this site.
  • Financial account statements show withdrawals or transfers you didn't make.
  • A creditor calls to say you've been approved or denied credit that you haven't applied for. Or, you get credit card statements for accounts you don't have.
  • You apply for credit and are turned down, for reasons that do not match your understanding of your financial position.