Sign up for your free account    Sign Up Now
From the Experts at

Signs Your Identity Has Been Stolen

Advertiser Disclosure

How To Tell If Your Identity Has Been Stolen

Identity theft is everywhere. Here are a few common signs that your identity has been compromised:

1. A Sudden Increase In an Account Balance

An unexpected increase in the balance of one or more credit card accounts could be a possible sign that someone made charges in your name.

2. Your Card is Declined

If you pay your bills on time and haven’t overspent your credit card’s limit, your card is unlikely to be declined. If it is, pay attention. Don’t just shrug it off and try again later. Find out why.

3. Your Credit Score Drops

One good reason to monitor your credit score is to watch for any unexplained drops that could be a sign someone is using and trashing your credit.

4. Unauthorized Inquiries

When you apply for credit – for a new credit card, for example – the lender checks your credit report or scores. This creates an inquiry on your credit report. If you are keeping an eye on your credit reports and find inquiries you didn’t initiate, someone may be trying to open credit in your name.

5. A Mysterious New Account

If you’re keeping an eye on your credit reports you’ll be able to watch for any new accounts that you did not open. The sooner you spot unauthorized credit opened in your name the faster you can shut it down.

6. Debt Collectors Are Calling

You know you’ve paid your bills on time. So why is this debt collector calling and demanding payment for something you didn’t buy? It could be that you’ve been hit by an identity thief.

A Way to Spot Identity Theft Early: Watch Your Credit

Monitor your credit accounts regularly. This is easiest to do by checking online for charges you don’t recognize. For help monitoring your credit, subscribe to a free service, like’s free Credit Report Card. It provides two free credit scores and lets you check your credit once a month for free. If your scores drop because of fraudulent activity, you’ll be able to tell.

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Sign up for your free account. Learn More

Check Your Credit For FREE

Free Credit ScoreGet a FREE personalized credit check-up today.

Get Started – It’s Free!  

Certain credit cards and other financial products mentioned in this and other articles on News & Advice may also be offered through product pages, and will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.