What to do right away if you're a victim of identity theft

January 31, 2022

If you are the victim of identity theft, follow these steps immediately.

Step 1: Call the companies where you know the fraud occurred:

  • Call the fraud department. Explain that someone stole your identity.
  • Ask them to close or freeze the accounts. Then, no one can add new charges unless you agree.
  • Change logins, passwords and PINS for your accounts.

Step 2: Place a fraud alert and get your credit reports

  • Place a free, one-year fraud alert by contacting one of the three credit bureaus. That company must tell the other two.
    1. Experian.com/help, BBB-EXPERIAN (888-397-3742)   
    2. TransUnion.com/credit-help (888-909-8872)
    3. Equifax.com/personal/credit-report-services (800-685-1111)
  • Get your free credit reports from Equifax, Experian, and TransUnion. Go to annualcreditreport.com or call 1-877-322-8228.

Step 3: Report identity theft to the Federal Trade Commission

Step 4: Go to your local police office with

  • A copy of your FTC Identity Theft Report.
  • A government-issued ID with a photo.
  • Proof of your address (mortgage statement, rental agreement, or utilities bill.)
  • Any other proof you have of the theft (bills, IRS notices, etc.)

Inform the police that someone stole your identity and that you need to file a report. You can also ask for a copy of the police report.

Other Resources

To prevent or report cybersecurity issues, please visit the Yale Cybersecurity webpage. Information includes: using security passcodes, knowing about risk, and how to stay safe guides.