How Thieves Steal Your Identity (and How You Can Protect Yourself) Know the Signs of Bigger Identity Theftâand What to Do If Someone's Stolen Your Identityįraudulent charges on your credit card don't necessarily mean a data thief also has access to other personal information that could do more damage, like drawing down your bank account or social security fraud, but it still pays to know how identity theft works so you don't end up with even bigger issues. (Credit Sesame's report is from Experian, while Credit Karma provides scores from TransUnion.)Īdvertisement Step 3.
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Use free credit monitoring services.Previously mentionedCredit Karma and Credit Sesame keep an eye on not just your credit score, but also new credit inquiries and balance changes.(If you'reâunderstandablyâconcerned about security for these credit card and bank tracking services, know that both use bank-level encryption and only have read-access to your account activity, so money transfers and changes to your account aren't possible even if someone could hack into one of those accounts.) If you usually only spend $50 a week on shopping, for example, Mint will let you know if a charge greatly exceeds that. Speaking of Mint, the financial tracking app can also alert you to unusual activity on your accounts. Use free financial tracking apps.Previously mentioned BillGuard watches for charges flagged by other BillGuard members, and notifies you if your card(s) have similar ones it also now tracks your finances, Mint-like.Most bank and credit card online accounts let you set text or email alerts for all kinds of activity, such as charges over a certain limit. Set up activity alerts on your accounts.There are also other easy ways to stay vigilant, long after your credit card fraud case is resolved: Fraudsters know that amounts under $10âlike the recent $9.84 scamâoften go unnoticed. Be especially on the lookout for even small charges. To monitor your accounts, you just need to keep an eye on your statements or regularly check recent activity. In most cases, putting a stop to the charges and getting a new account number are all you need to do, but you should also monitor all your credit card accounts just in case this is more than just a singular event or a sign of even more damaging identity theft. This process should only take a couple of days (sometimes just one day waiting for the new card), but in some cases it could take a month to resolve.
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When you get your new card, remember to update any accounts where the card is used for automatic or recurring billing. They should also issue you a new card (with a new account number) and close the old one so further fraudulent charges can't be made to it. Besides that, the sooner you notify the bank, the quicker they can start working on your case and getting this resolved.Īdvertisement The Best Banks That Protect Your Money from Hackers and ThievesĪfter the massive security breaches at Target and Nieman Marcus recently, we could all stand to beâ¦Read more Readĭuring the investigation, the credit card company will usually reverse the charges (so you won't have to pay for some stranger's $5000 shopping spree on your billing statement).
In some cases, your liability for fraudulent charges depends on how soon you report them to the bank. This is the very first step to take (so kudos on acting quickly). With time and patienceâand the steps belowâyou can secure your accounts and credit information, and get back your peace of mind.Īdvertisement Step 1. Identity theft and credit card fraud have been on the rise in recent years, thanks to the growing horde of hackers who are smarter and more capable than ever. Unfortunately, about 4 out of 10 US cardholders report having had the same nerve-wracking experience as you.
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