What is identity theft and how do I protect myself?
Short answer
Identity theft is when someone uses your personal information, such as your name, ID number or bank details, to open accounts, borrow money or commit fraud in your name. Protect yourself by limiting what you share, using MFA, freezing your credit where available, and checking statements regularly.
The details
Warning signs include bills for accounts you did not open, unexpected credit checks, and missing mail. In the United States, IdentityTheft.gov creates a personal recovery plan and the reports you need.
Terms explained
- Identity theft
- Identity theft is the use of someone’s personal information, such as their name, ID number or financial details, to commit fraud in their name.
- Multi-factor authentication
- Multi-factor authentication (MFA) requires two or more kinds of proof to sign in, such as a password plus an app prompt, security key or biometric unlock of a passkey.
Sources
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