10 Top Signs of Identity Theft (And What to Do Next)
Identity theft affects millions of Americans each year, leading to severe consequences like damaged credit, fraudulent charges, and emotional stress. While the signs of identity theft are sometimes subtle, recognizing them early can help you take fast action and minimize the damage. Whether it’s a sudden drop in your credit score or a debt you don’t recognize, this guide will walk you through how to identify the warning signs and what to do next.
If you’ve been wondering what to do if your identity is stolen, you’re in the right place. In this post, we’ll cover:
- Common signs of identity theft
- What to do if you’re a victim of identity theft
- How to report stolen identity
- Legal steps you can take
- How can you protect yourself from identity theft in the future

What Is Identity Theft?
Identity theft occurs when someone illegally obtains and uses your personal information—such as your Social Security number, credit card number, or bank account details—without your permission. This information is typically used to commit fraud, open new accounts, make unauthorized purchases, or even apply for loans in your name.
The impacts can be long-lasting, affecting your credit score, employment prospects, and financial stability. For this reason, understanding the signs of identity theft and knowing how to respond is critical.
Why Early Detection Matters
Identity theft isn’t always obvious. In fact, some people go months or even years before discovering someone has stolen their identity. By then, the damage can be extensive and difficult to reverse. Monitoring your financial accounts and credit reports regularly is the first line of defense.
Let’s explore the most common signs that indicate your identity may have been compromised.
Top Signs of Identity Theft
Identity theft isn’t always obvious at first. In fact, many victims only realize something is wrong after noticing unusual activity in their credit report or financial accounts. Recognizing the early warning signs can help you take action before the damage gets worse. Below are the most common signs of identity theft to watch out for.
1. Unfamiliar Charges or Withdrawals
If you notice purchases on your bank or credit card statements that you don’t recognize, it’s a major red flag. Even small, repeated transactions can be a sign that someone is testing your account before making larger purchases.
2. Sudden Drop in Credit Score
A rapid and unexplained decrease in your credit score can be an early indicator that someone is misusing your credit. New accounts, high balances, or missed payments can all result from fraudulent activity.
3. Debt Collection Calls for Unknown Accounts
Are debt collectors calling you about accounts you never opened? If so, you may be a victim of identity theft. Fraudsters often open credit cards or take out loans in stolen identities and fail to pay them off.
4. Denied for Credit or Loans
If your credit is suddenly denied despite a good credit history, it might be due to new, fraudulent accounts that have negatively affected your creditworthiness.
5. Notifications About New Accounts
Receiving mail, emails, or phone calls about new accounts or services you didn’t sign up for is a clear warning sign. This could include credit cards, utilities, or online subscriptions.
6. Missing Bills or Statements
If your regular bills stop arriving, someone might have changed your mailing address to gain access to your personal information without your knowledge.
7. IRS Letters About Wages You Didn’t Earn
If the IRS contacts you about unreported income or multiple tax returns filed in your name, that’s a serious indicator that someone may be using your Social Security number fraudulently.
8. Medical Bills for Services You Didn’t Receive
Medical identity theft is on the rise. If you receive bills for treatments or prescriptions you never used, someone may be using your health insurance.
9. Two-Factor Authentication Alerts You Didn’t Trigger
Getting text messages or emails with two-factor authentication codes you didn’t request can mean someone is trying to access your accounts.
10. Suspicious Activity on Your Credit Report
Checking your credit report regularly may reveal signs of identity theft, such as unfamiliar accounts or inquiries from companies you haven’t interacted with.
What to Do If You See the Signs of Identity Theft
Discovering the signs of identity theft can feel overwhelming—but taking action right away is essential. Delaying a response could lead to greater financial damage and long-term credit issues. If you think your personal information has been misused, follow these steps to take back control.
Step 1: Act Fast
The sooner you respond, the better chance you have of limiting the damage. Even small delays can lead to major consequences.
Step 2: Place a Fraud Alert
Contact one of the three major credit bureaus (Equifax, Experian, or TransUnion) to request a fraud alert. This makes it harder for someone to open new accounts in your name.
Step 3: Freeze Your Credit
A credit freeze stops anyone from accessing your credit report or opening new credit in your name. You can lift the freeze temporarily if you need to apply for credit yourself.
Step 4: Report Stolen Identity
Report the theft to the Federal Trade Commission (FTC) at IdentityTheft.gov. They’ll guide you through creating a recovery plan and provide necessary documents.
Step 5: Contact the Companies Involved
Reach out to your bank, credit card companies, and any institutions where your accounts were compromised. Close or freeze affected accounts and follow their fraud protocols.
Step 6: File a Police Report
While not always required, filing a police report provides a legal record that may help with future disputes and recovery efforts.
Step 7: Keep Documentation
Save copies of all communications and reports related to the theft. This helps establish your case when disputing fraudulent charges.
How Can You Protect Yourself From Identity Theft?
While identity theft can happen to anyone, there are steps you can take to reduce your risk. By staying informed and practicing good security habits, you can help safeguard your personal and financial information. Here are some of the most effective ways to protect yourself from identity theft.
1. Monitor Your Accounts Regularly
Check your bank statements and credit card transactions weekly. Look for even small purchases that you don’t recognize.
2. Check Your Credit Reports
You’re entitled to a free credit report from each of the three major bureaus once a year. Use AnnualCreditReport.com to monitor for signs of identity theft.
3. Use Strong, Unique Passwords
Avoid using the same password across multiple accounts. Consider a password manager to help you generate and store secure passwords.
4. Enable Two-Factor Authentication
Add a second layer of security to your accounts. Even if someone gets your password, they won’t be able to access your account without the second factor.
5. Don’t Overshare Online
Be cautious about posting personal information like your birth date, home address, or full name. Identity thieves can piece together data from social media profiles.
6. Shred Sensitive Documents
Always shred documents with personal information before throwing them away.
7. Watch Out for Phishing
Don’t click on suspicious links in emails or texts. Legitimate institutions will never ask for your password or Social Security number via email.
Legal Help for Victims of Identity Theft
Even after taking the right steps, resolving identity theft on your own can be a frustrating and complex process. If you’re still struggling to correct errors or get financial institutions to respond, it may be time to get legal help.
At Vullings Law Group, we help clients across Pennsylvania, New Jersey, New York, and Washington D.C. restore their credit, remove fraudulent information, and hold responsible parties accountable. We understand how exhausting it is to feel like no one’s listening.
Our experienced attorneys will advocate for you under federal laws like the Fair Credit Reporting Act (FCRA) and help you take the next steps with confidence.
Click here to find out more about our identity theft help.
Take Action Against Identity Theft Today
Have you noticed the signs of identity theft? You don’t have to face it alone.
Contact Vullings Law Group today for a free case review. We’ll evaluate your situation, explain your legal options, and fight to help you reclaim your financial peace of mind.