Identity theft is no longer a rare cybercrime—it’s a daily threat affecting millions worldwide. Thieves don’t need to steal your entire identity in one go; often, they gather bits of personal information over time. Recognizing the early red flags of identity theft is your first and most powerful defense.
Here are Five Signs You Should Never Ignore:
1. Unfamiliar Charges on Your Bank Statements
Even small, unexplained transactions could indicate someone is testing your stolen card or bank information. Fraudsters often start with low-value purchases to avoid detection before making larger withdrawals. Always check your statements closely and report anything suspicious.
2. Denied Credit Applications Without Reason
If your credit score is good, but your application gets rejected, it could mean someone opened unauthorized accounts in your name. Identity thieves often apply for credit cards or loans, damaging your credit without your knowledge. Get a copy of your credit report and look for unfamiliar activity.
3. Missing Mail or Unusual Bills
A sudden stop in receiving mail or the arrival of bills you don’t recognize may suggest mail redirection. Thieves may have submitted a change-of-address request to divert sensitive information like bank or insurance documents to themselves.
4. IRS or ATO Alerts About Duplicate Filings
Have you been told your taxes were already filed? That’s a classic sign of identity theft. Criminals may use your personal information to claim refunds fraudulently. Respond immediately to any unusual correspondence from the IRS (US) or ATO (Australia).
5. Debt Collectors Calling for Unknown Debts
Getting calls about loans or accounts you never opened is a serious warning sign. Someone may have used your identity to rack up debts in your name.
What to Do Next
If you spot any of these red flags, act fast. Freeze your credit, alert your bank, file a police or FTC report, and monitor your financial accounts. Quick action can prevent long-term damage.
Stay Informed—Stay Protected
For more in-depth guidance on spotting early warning signs and protecting your personal information, visit trusted sources like the Federal Trade Commission (FTC) and the Identity Theft Resource Center (ITRC). These organizations offer checklists, recovery plans, and real-time fraud alerts to help you stay one step ahead.