Signs You May Be a Victim of Identity Theft
Many people only realize that they are the victims of identity theft when they start suffering from its negative effects and the damage is already done. The truth is that nowadays, our whole lives are on the internet, including our financial information, our birthdays, and all of our contact information. All of this information is out there waiting for scammers to find it. You can imagine what an identity thief can do with all of this information. They could assume your identity, open lines of credit, and much worse. This makes it extremely important to pay attention to if your identity may have been stolen. Here are some signs you can look out for that you may already be a victim of identity theft.
You Receive Bills for Credit Accounts You Don’t Recognize
Everyone receives more bills than they want, and it is only worse when they don’t even belong to you. If you receive a bill for expenses such as a credit card account you didn’t open, chances are very high that someone has stolen your identity and opened the account. You should immediately contact the company and let them know you weren’t the one that opened it.
Regular Bills Stop Arriving
As we just said, just about anyone would be happy to receive fewer bills, but if regular ones stop arriving, it’s important to find out why. This could be a sign that identity thieves altered your billing address in order to cover up the fact that they are opening accounts with your information.
Sudden Changes to Your Credit Score
It is always important to keep an eye on your credit score in case there are any sudden changes. An identity thief could max out your credit cards without you noticing and cause your score to plummet. Alternatively, some scammers will attempt to build your credit in order to take out a larger sum down the line. Either way, you need to know quickly.
You Are Suddenly Denied Coverage
Identity thieves can do more than just open up credit card accounts; they can also commit crimes in your names and use your medical information to set up their own coverage. If you are suddenly denied medical coverage, it may be because insurance companies believe you are already covered.
What To Do If I Suspect My Identity May Be Stolen?
First off, if any companies are contacting you for unknown expenses, contact the companies about the charges and let them know it wasn’t you. You can also contact the Federal Trade Commission to report identity theft. Also, it is a good idea to perform a background check on yourself to see what else criminals may have done under your name