Slow down, and take these steps:
- Change your passwords. Avoid using the same password for different services or accounts.
- Lock or freeze your credit reports. If a hacker already has (some of) your information, they may try to apply for new credit cards or loans under your name. By locking or freezing your reports at all three main credit bureaus, you prevent them from doing that. But don’t forget to unlock or unfreeze when you decide to apply for something yourself!
- Check accounts for suspicious activity. Check your bank accounts, credits reports, and other financial accounts for anything unfamiliar. If you notice anything out of the ordinary, contact your bank or credit card company to let them know.
- Order new credit cards and change PIN numbers. Also ask your bank or credit card company about any fraud protection services they might offer.
- Fill a report with the FTC. If you find out you’ve been a victim of identity theft, you can file a report with the Federal Trade Commission at identitytheft.gov or by phone at 1-877-438-4338.