What is Identity Theft?
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Identity theft is when someone uses your personal information without your permission. They might use your name, Social Security number, or other details to open accounts, borrow money, or file a tax return in your name. This can seriously hurt your finances and your credit.
Be careful when you search online for financial products or services. Sometimes search results lead to companies that collect your personal information and sell it to others. They are not banks or lenders. Only give your personal information to companies you have verified are licensed and trustworthy.
What should I do first if my identity is stolen?
Go to IdentityTheft.gov/steps right away. This government website walks you through exactly what steps to take based on your situation. On that site you can also create an identity theft affidavit which is a signed written statement that the fraud was not done by you.
If your information was lost in a data breach, read more: When information is lost or exposed.
What is the difference between a credit freeze and a fraud alert?
A credit freeze stops lenders from checking your credit at all. While the freeze is on, no one can open a new account in your name without your permission.
A fraud alert is less strict. It tells lenders to check extra carefully before opening any new account in your name, but it does not stop them completely.
If you think your information was stolen, a credit freeze gives you the stronger protection. You can place a freeze for free at each of the three main credit bureaus: Equifax, Experian, and TransUnion.
You can also get a free credit report once a week from each credit bureau at annualcreditreport.com.
These are all the official websites. Only use these websites. Other sites can trick you into giving away your personal data.
What if someone filed a tax return or opened accounts using my Social Security number?
Go to IdentityTheft.gov/steps and follow the steps for your situation. You should also file a complaint with the Virginia OAG, especially if you know how your Social Security number was stolen or who used it.
Where can I get free legal help in Virginia?
If you need a lawyer but cannot afford one, free legal help may be available. Call 866-LEGLAID (866-534-5243) or visit virginialawhelp.org/get-legal-help to find a legal aid office near you