ID Theft & Privacy Checklists

Here are U.S. PIRG's identity theft and privacy tips, including descriptions of different types of ID theft; checklists  for preventing, detecting, and resolving ID theft; a checklist for protecting your online privacy; and links to additional resources. These documents can also be downloaded here.

TYPES OF IDENTITY THEFT

There are a variety of ways stolen data can be used, depending on what was taken. Different types of ID theft and fraud include:

Financial Identity Theft  

Existing Account Fraud: If a thief obtains a credit or debit card number, the thief can access existing bank and credit accounts for in-person transactions.

New Account Identity Theft: With a full name and Social Security number (SSN), a thief can open up new credit accounts.

Tax Refund Fraud

With a full name, SSN, and a birthdate, a thief can attempt to file your taxes and claim your refund.

Health Care/Medical Fraud

With a full name, SSN, a birthdate, (and sometimes an existing health insurance account number), a thief can attempt to receive benefits and services in your name.

Reputational & Physical Harm

Some breaches involve personal information that can be used to blackmail, stalk, or otherwise inflict reputational or physical harm against data breach victims.

Phishing

With just a phone number or email address, a thief can use “phishing” scams to attempt to collect more information needed to commit any of the above more severe crimes.

PROTECT YOURSELF FROM IDENTITY THEFT

Use these checklists to help you prevent, detect, and resolve identity theft.

PREVENTING IDENTITY THEFT

The first key to protecting yourself from ID theft is prevention.

ID Theft Prevention for Online & Electronic Activity

  • Consider locking your laptop at your work desk or when you’re in a public place.

  • Set a password for your computer, smartphone, and tablet. Use six digits instead of four for your smartphone password.

  • Set online account passwords that include at least 10 characters and a combination of capital letters, numbers, and symbols in the middle of the password, not the beginning or end.

  • Avoid using the same password for different accounts. Consider using a password manager.

  • Turn on two-factor authentication for your online accounts if available. You will receive additional codes for accessing your online accounts, in addition to your passwords.

  • Keep all software updated. Turn on automatic updates for all software, including antivirus programs.

  • Don’t show information on social networking sites that is commonly used to verify your identity, such as date of birth, city of birth, mother’s maiden name, name of high school, etc. If you do, don't use that information to verify your identity.

  • file sharing and “network discovery” for public WiFi connections.

  • Turn off automatic connections to WiFi networks on your electronic devices.

  • Send personal information online through fully encrypted websites or apps. Encrypted websites start with https. The non-profit Electronic Frontier Foundation has the extension for your web browser that will make sure you’re using encrypted communications on websites that support encryption. In addition to using encrypted websites, online transactions are best conducted over or your , versus an unsecure WiFi connection.

  • Consider using a when in public.

  • Secure your home router. Steps for doing so are available on the .

  • Disable Bluetooth connections on devices when not in use.

  • Watch out for “phishing” scams where identity thieves request personal information by pretending to be a legitimate entity, such as a bank or the IRS. Ignore unsolicited requests for personal information by email, links, or over the phone - and only contact entities by means you know to be legitimate.

  • Use credit cards instead of debit cards for all online and in-person purchases if possible. Consumers have more legal protections against fraud with credit cards and can also avoid having to wait for stolen funds from checking accounts to be replenished. Consider only carrying debit cards for trips to the ATM or cash-back transactions.

  • Sign up for your “” account If you receive Social Security benefits through direct deposits. This will help prevent a scammer from opening an account in your name and changing your direct deposit information.

  • Dispose your old computers and mobile device safely to keep data out of the wrong hands. You’ll want to look up steps for your specific device, but below are basic steps.

For : Save data you want to keep and transfer, “wipe” or overwrite your hard drive many times, and keep it out of the landfill by recycling, donating, or reselling it. (Deleted files can still be recovered if you don’t wipe your hard drive clean many times.)

For : Backup your phone, reset your device, remove or erase SD & SIM cards, and keep it out of the landfill by recycling, donating, reselling, or trading it.

ID Theft Prevention for Offline Activity

  • Do not disclose your full nine-digit Social Security number unless absolutely necessary, and never use it as an identifier or password. Question those who ask for it. If someone calls claiming to be from your bank security department, it’s best to hang up and call the number on your card.

  • Lock your records and financial documents at home.

  • Lock your mailbox if it's lockable.

  • Shred documents containing personal information (name, account numbers, any part of your social security number, and birth date) before throwing them away.

  • Opt out of pre-approved (pre-screened) credit & insurance offers. Credit and insurance companies buy “prescreened” lists from the credit bureaus to make pre-approved offers to prospective customers. While such offers provide consumers with information about possible credit options, identity thieves may steal these pre-approved offers and apply for them with your personal information. is the official website where by law you can opt out of receiving these offers for five years or permanently. You can also opt back in any time.

  • Use the chip side of chip enabled cards, instead of the magnetic strip side, for in-person purchases whenever possible. Beware devices called and that criminals install on ATMs and card readers at checkout lines or gas pumps to steal your credit card information. When using ATMs and card readers, look and touch for signs of tampering, such as mismatched colors or loose parts. Always cover your hand while hand typing a PIN, and avoid using ATMs in secluded locations. ATMs at banks are the least likely to have skimmers.

  • Use credit cards instead of debit cards for online and in-person purchases if possible. Consumers have more legal protections against fraud with credit cards and can also avoid waiting for stolen funds from checking accounts to be restored.

  • Place credit freezes on your credit reports. Our separate “credit freeze” tips explain how to prevent new account identity theft by freezing your credit reports.

  • File your taxes as soon as possible to help prevent tax refund fraud. A fraudster can still file taxes in your name even if you’re not required to file taxes or aren’t eligible for a refund.

  • Protect your deceased loved ones from identity theft by of their deaths.

DETECTING IDENTITY THEFT

  • Check your monthly statements for unauthorized charges. Be suspicious of phone calls about surprise debts.

  • Sign up to receive email and/or text notifications of account activity and changes to account information.

  • Instead of paying for over-priced subscription credit monitoring, use your free annual credit reports as your own credit monitoring service. Every 12 months, federal law gives you the right to receive one free credit report from each of the three main credit bureaus, Equifax, Experian and TransUnion. Instead of requesting three at the same time, request one credit report from one of the bureaus every four months. Verify that the information is correct and that accounts have not been opened without your knowledge. Free credit reports are available online at , by phone at 1-877-322-8228, or by . There are other non-official sites that offer free reports too. 

Beware of sites that promise free reports and credit scores but may use trial-offer gimmicks to urge you to switch to paid credit monitoring or other services. There are some sites that offer no strings attached, free monitoring services - just expect to see ads. And also know that the credit scores on those sites are most likely not FICO scores as used by most creditors.

  • Check if your online accounts have been hacked. is a free tool you can use to check whether your online accounts may have been compromised in data breaches.

RESOLVING IDENTITY THEFT

  • Visit , the government’s official website that will walk you through clear checklists of actions you can take to recover from identity theft.

PROTECT YOUR ONLINE PRIVACY

Use this checklist to help you control how your personal information is used or shared.

  • Cover the camera on your laptop to prevent hackers from watching and recording you.

  • Consider for blocking websites, advertisers, and others from tracking your online activity on your computer, including: adjusting your cookies settings on your browser, installing a tracking blocker for your web browser, or opting out of targeted advertising. Note that “private browsing” settings by themselves still allow your activity to be communicated to third-parties during a browsing session.

  • Consider for blocking advertisers from tracking your online activity on your mobile device, including turning off ad tracking and resetting “device identifiers.” You can also research ways of controlling ad tracking on your other smart devices, such as internet connected entertainment systems.

  • Check your the privacy settings on your mobile device to that different apps have to your personal information, including location, personal contacts, photos, calendar, and health data. Many apps have the ability of tracking your location even when you’re not using them.

  • Check your and other settings in your Facebook account to control tools such as face recognition, location history, and ad preferences.    

  • Check your in your Google account to control tools such as the collection of your web searches and other activity and the ads you see.

  • Check your privacy settings in your other apps and social media accounts.

IDENTITY THEFT & PRIVACY RESOURCES

  • (Phone and mail options .)

  • Consumer Federation of America’s

  • Consumer Reports'

  • Electronic Frontier Foundation's

  • Facebook's page

  • Google's page

  • The Federal Trade Commission’s website & tips

  • The

  • The Social Security Administration's “” website

  • U.S. PIRG’s Credit Freeze page

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