Emergency Help
Someone Stole My Identity
Accounts opened in your name, or fraud on your record? Here's the exact order to lock things down and start putting it right.
Identity theft feels overwhelming, but recovery follows a well-worn path. The single most powerful move is to freeze your credit so no one can open new accounts in your name — everything else builds from there. Answer below for your situation.
What to do if your identity is stolen
Stop new fraud, document it officially, and clean up your record.
- Freeze your credit with all three major bureaus to block new accounts — this is the single most important step.
- Place a fraud alert on your credit file (one bureau notifies the other two).
- File an official identity-theft report (in the US, at IdentityTheft.gov) to get a recovery plan and affidavit.
- Contact each bank, lender, or agency tied to the fraud, report it, and have the accounts closed.
- Dispute every unfamiliar entry on your credit reports and keep a written log of all reference numbers.
Frequently asked questions
What's the very first thing I should do?
Freeze your credit with all three major bureaus. It's free, quick, and it stops criminals opening any new accounts in your name while you deal with the rest. Every other step is easier once new fraud is blocked.
What's the difference between a fraud alert and a credit freeze?
A fraud alert asks lenders to take extra steps to verify it's really you, but doesn't block access. A freeze fully locks your credit file so no one — including you — can open new credit until you lift it. A freeze is stronger; you can use both.
Will I be responsible for the debts a thief ran up?
Generally no, as long as you report the fraud promptly and follow the dispute process. That's exactly why filing an official identity-theft report and keeping documentation matters — it's your proof that the accounts weren't yours.
This is general guidance for common situations, not legal or financial advice. When large sums or physical safety are involved, contact your bank and local authorities directly.