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% What to Do If Someone Opens a Credit Card in Your Name Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans &amp; accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure <h3> Advertiser Disclosure </h3> We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.<br> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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% What to Do If Someone Opens a Credit Card in Your Name Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure

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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. When it comes to identity theft and fraud, there are seemingly endless ways you might be targeted. For example, a criminal with enough of your personal information may be able to file a tax return in your name, take out a payday loan or even take over accounts you have, changing your contact information to another mailing address they control.
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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. When it comes to identity theft and fraud, there are seemingly endless ways you might be targeted. For example, a criminal with enough of your personal information may be able to file a tax return in your name, take out a payday loan or even take over accounts you have, changing your contact information to another mailing address they control.
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Elijah Patel 33 minutes ago
Another type of fraud takes place when thieves open a credit card account in your name. According to...
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Further, various imposter scams were the second most common of all Federal Trade Commission (FTC) co...
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Another type of fraud takes place when thieves open a credit card account in your name. According to data from the , new credit card account fraud was so prevalent in 2020 that it made up 30 percent of all identity theft complaints that year.
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Another type of fraud takes place when thieves open a credit card account in your name. According to data from the , new credit card account fraud was so prevalent in 2020 that it made up 30 percent of all identity theft complaints that year.
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Further, various imposter scams were the second most common of all Federal Trade Commission (FTC) co...
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Further, various imposter scams were the second most common of all Federal Trade Commission (FTC) complaints in 2020, with almost half a million reports. Fortunately, if you’re a victim of this type of fraud.
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Further, various imposter scams were the second most common of all Federal Trade Commission (FTC) complaints in 2020, with almost half a million reports. Fortunately, if you’re a victim of this type of fraud.
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There are also steps you can take to find out if someone opened a credit card in your name and even ...
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There are also steps you can take to find out if someone opened a credit card in your name and even to prevent this from happening altogether. <br> <br> <br> <br> <h2>How to find out if someone opened a credit card in your name</h2> There are several steps you can take to find out if someone has opened a credit card account (or any other loan) in your name.
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There are also steps you can take to find out if someone opened a credit card in your name and even to prevent this from happening altogether.



How to find out if someone opened a credit card in your name

There are several steps you can take to find out if someone has opened a credit card account (or any other loan) in your name.
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Victoria Lopez 17 minutes ago
Consider the following moves if you’re worried about existing account fraud and future prevention....
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Note that you’ll need to pull your credit reports from all three bureaus — Experian, Equifax and...
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Consider the following moves if you’re worried about existing account fraud and future prevention. <h3>Pull credit reports</h3> The best way to find out if someone has opened an account in your name is to pull your own credit reports to check.
Zoe Mueller Member
access_time 46 minutes ago
Consider the following moves if you’re worried about existing account fraud and future prevention.

Pull credit reports

The best way to find out if someone has opened an account in your name is to pull your own credit reports to check.
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Luna Park 39 minutes ago
Note that you’ll need to pull your credit reports from all three bureaus — Experian, Equifax and...
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Make sure every account listed on your reports is yours and that the account balances and other deta...
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Note that you’ll need to pull your credit reports from all three bureaus — Experian, Equifax and TransUnion — to check for fraud since each report may have different information and reporting. Fortunately, you can get access to your credit reports from all three credit bureaus for free using the website . <h3>Check your reports in detail</h3> Once you have accessed all three of your credit reports, take the time to look over each one in detail.
Sebastian Silva Member
access_time 72 minutes ago
Note that you’ll need to pull your credit reports from all three bureaus — Experian, Equifax and TransUnion — to check for fraud since each report may have different information and reporting. Fortunately, you can get access to your credit reports from all three credit bureaus for free using the website .

Check your reports in detail

Once you have accessed all three of your credit reports, take the time to look over each one in detail.
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Make sure every account listed on your reports is yours and that the account balances and other deta...
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Make sure every account listed on your reports is yours and that the account balances and other details listed are also correct. If you don’t recognize an account, you’ll need to report it right away. However, you should be aware that you can (and should) and errors on your credit reports, including incorrect balances or accounts reported as open that are actually closed.
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access_time 75 minutes ago
Make sure every account listed on your reports is yours and that the account balances and other details listed are also correct. If you don’t recognize an account, you’ll need to report it right away. However, you should be aware that you can (and should) and errors on your credit reports, including incorrect balances or accounts reported as open that are actually closed.
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Oliver Taylor 41 minutes ago

How to report identity theft

If you find an account on your credit reports that doesn’t b...
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<h2>How to report identity theft</h2> If you find an account on your credit reports that doesn’t belong to you, there are three possible explanations. It’s always possible you don’t recognize an account that is actually yours or that your account has been confused with someone else’s with a similar name.
Oliver Taylor Member
access_time 130 minutes ago

How to report identity theft

If you find an account on your credit reports that doesn’t belong to you, there are three possible explanations. It’s always possible you don’t recognize an account that is actually yours or that your account has been confused with someone else’s with a similar name.
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Chloe Santos 7 minutes ago
An increasingly likely answer, though, is that you are a victim of fraud. If the latter situation tu...
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An increasingly likely answer, though, is that you are a victim of fraud. If the latter situation turns out to be true, and you discover an account on your credit reports you definitely did not open, you’ll want to take steps to halt the damage right away. <h3>Reporting identity theft by someone you don t know</h3> According to the FTC, you should start by — in this case, the credit card issuer.
Lily Watson Moderator
access_time 108 minutes ago
An increasingly likely answer, though, is that you are a victim of fraud. If the latter situation turns out to be true, and you discover an account on your credit reports you definitely did not open, you’ll want to take steps to halt the damage right away.

Reporting identity theft by someone you don t know

According to the FTC, you should start by — in this case, the credit card issuer.
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Grace Liu 74 minutes ago
Explain to the credit card issuer that someone opened an account in your name and that they are tryi...
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Explain to the credit card issuer that someone opened an account in your name and that they are trying to steal your identity. From there, ask them to close or freeze the account so no one can add new charges unless you agree.
Isaac Schmidt Member
access_time 84 minutes ago
Explain to the credit card issuer that someone opened an account in your name and that they are trying to steal your identity. From there, ask them to close or freeze the account so no one can add new charges unless you agree.
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Also, take time to change the logins and passwords on all your other online accounts, just in case t...
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You can place a fraud alert using the following contact information for each of the credit bureaus: ...
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Also, take time to change the logins and passwords on all your other online accounts, just in case the thief has more of your information. Your next step in is placing a fraud alert on your credit reports, which you can do for one year without any charge.
Julia Zhang Member
access_time 116 minutes ago
Also, take time to change the logins and passwords on all your other online accounts, just in case the thief has more of your information. Your next step in is placing a fraud alert on your credit reports, which you can do for one year without any charge.
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You can place a fraud alert using the following contact information for each of the credit bureaus: ...
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Victoria Lopez 105 minutes ago
Additional steps include: Closing new accounts opened in your name. With your FTC Identity Theft Rep...
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You can place a fraud alert using the following contact information for each of the credit bureaus: 888-EXPERIAN (888-397-3742) 888-909-8872 800-685-1111 Next, you’ll want to report the identity fraud to the FTC, which you can do with this or by calling 877-438-4338. The FTC suggests you may want to take the additional step of filing a police report in your municipality. Once you have taken these initial steps, you need to follow up to make sure the identity theft is stopped in its tracks.
David Cohen Member
access_time 30 minutes ago
You can place a fraud alert using the following contact information for each of the credit bureaus: 888-EXPERIAN (888-397-3742) 888-909-8872 800-685-1111 Next, you’ll want to report the identity fraud to the FTC, which you can do with this or by calling 877-438-4338. The FTC suggests you may want to take the additional step of filing a police report in your municipality. Once you have taken these initial steps, you need to follow up to make sure the identity theft is stopped in its tracks.
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Mason Rodriguez 5 minutes ago
Additional steps include: Closing new accounts opened in your name. With your FTC Identity Theft Rep...
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Additional steps include: Closing new accounts opened in your name. With your FTC Identity Theft Report in hand, you need to call each company with fraudulent accounts in your name and ask for them to be closed.
Christopher Lee Member
access_time 93 minutes ago
Additional steps include: Closing new accounts opened in your name. With your FTC Identity Theft Report in hand, you need to call each company with fraudulent accounts in your name and ask for them to be closed.
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Audrey Mueller 93 minutes ago
Make sure to keep track of who you spoke to and when, and keep any letters associated with the closu...
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Tell the company you did not make the charges, explain that they are fraudulent and ask for the bogu...
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Make sure to keep track of who you spoke to and when, and keep any letters associated with the closures. Remove bogus charges. Any new accounts with charges in your name should be disputed.
Mason Rodriguez Member
access_time 64 minutes ago
Make sure to keep track of who you spoke to and when, and keep any letters associated with the closures. Remove bogus charges. Any new accounts with charges in your name should be disputed.
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Tell the company you did not make the charges, explain that they are fraudulent and ask for the bogu...
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Amelia Singh 55 minutes ago

Reporting identity theft by someone you know

While identity theft is often perpetrated by o...
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Tell the company you did not make the charges, explain that they are fraudulent and ask for the bogus charges to be removed. Fix your credit reports. Contact the credit bureaus and use your FTC Identity Theft Report to have fraudulent accounts removed from your credit reports.
Grace Liu Member
access_time 99 minutes ago
Tell the company you did not make the charges, explain that they are fraudulent and ask for the bogus charges to be removed. Fix your credit reports. Contact the credit bureaus and use your FTC Identity Theft Report to have fraudulent accounts removed from your credit reports.
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Chloe Santos 64 minutes ago

Reporting identity theft by someone you know

While identity theft is often perpetrated by o...
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<h3>Reporting identity theft by someone you know</h3> While identity theft is often perpetrated by online hackers and thieves you’ve never met, it’s also common for someone you know to be the culprit. If a friend, a relative or a colleague at work could be the one who stole your identity, you’ll want to use the same steps above to report the fraud. It’s likely they will face criminal charges for their acts, but you should report the crimes just the same.
Natalie Lopez Member
access_time 136 minutes ago

Reporting identity theft by someone you know

While identity theft is often perpetrated by online hackers and thieves you’ve never met, it’s also common for someone you know to be the culprit. If a friend, a relative or a colleague at work could be the one who stole your identity, you’ll want to use the same steps above to report the fraud. It’s likely they will face criminal charges for their acts, but you should report the crimes just the same.
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Brandon Kumar 15 minutes ago

What happens to my credit if I m a victim of identity theft

One of the hurdles of identity...
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Ethan Thomas 99 minutes ago
You may notice initial damage to your credit score if someone opens an account in your name and rack...
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<h2>What happens to my credit if I m a victim of identity theft </h2> One of the hurdles of identity theft is the potential for damage to your credit score, but you may also be on the hook for financial losses. As the FTC notes, your liability for fraudulent charges on a credit card is limited to just $50, but your could be unlimited, if you report the fraud more than 60 days after your banking statement was mailed to you. The good news is you can use a formal process to dispute fraudulent information and credit card accounts that arise from identity fraud.
Harper Kim Member
access_time 70 minutes ago

What happens to my credit if I m a victim of identity theft

One of the hurdles of identity theft is the potential for damage to your credit score, but you may also be on the hook for financial losses. As the FTC notes, your liability for fraudulent charges on a credit card is limited to just $50, but your could be unlimited, if you report the fraud more than 60 days after your banking statement was mailed to you. The good news is you can use a formal process to dispute fraudulent information and credit card accounts that arise from identity fraud.
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Lily Watson 24 minutes ago
You may notice initial damage to your credit score if someone opens an account in your name and rack...
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Liam Wilson 54 minutes ago
Here are some of the best steps you can take now to prevent credit card fraud and other types of ide...
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You may notice initial damage to your credit score if someone opens an account in your name and racks up charges they don’t pay for, but your credit score should rebound once the credit bureaus have removed the fraudulent accounts from your reports. <h2>Preventing future credit card fraud</h2> When it comes to identity theft, an ounce of prevention is worth a pound of cure.
Sofia Garcia Member
access_time 180 minutes ago
You may notice initial damage to your credit score if someone opens an account in your name and racks up charges they don’t pay for, but your credit score should rebound once the credit bureaus have removed the fraudulent accounts from your reports.

Preventing future credit card fraud

When it comes to identity theft, an ounce of prevention is worth a pound of cure.
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Jack Thompson 22 minutes ago
Here are some of the best steps you can take now to prevent credit card fraud and other types of ide...
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Luna Park 150 minutes ago

Consider a credit freeze or extended fraud alert

The FTC suggests setting up a one-year fra...
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Here are some of the best steps you can take now to prevent credit card fraud and other types of identity theft in the future. <h3>Consider signing up for identity theft protection</h3> Identity theft protection companies like Identity Guard and ID Watchdog will oversee your credit reports and keep an eye out for fraud on your behalf. These companies charge a monthly or annual fee in exchange for their services, but many also offer that can protect you from financial losses and help pay for experts who can assist with the identity restoration process.
Daniel Kumar Member
access_time 37 minutes ago
Here are some of the best steps you can take now to prevent credit card fraud and other types of identity theft in the future.

Consider signing up for identity theft protection

Identity theft protection companies like Identity Guard and ID Watchdog will oversee your credit reports and keep an eye out for fraud on your behalf. These companies charge a monthly or annual fee in exchange for their services, but many also offer that can protect you from financial losses and help pay for experts who can assist with the identity restoration process.
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<h3>Consider a credit freeze or extended fraud alert</h3> The FTC suggests setting up a one-year fraud alert once you notice signs of identity theft, but you can also ask the credit bureaus for an extended fraud alert that lasts for seven years. As an alternative, you can also set up a credit freeze with each of the credit bureaus, which will prevent anyone from opening new accounts in your name until you personally . Fortunately, anyone can freeze their credit reports or for free — even if they have never been a victim of identity theft.
Zoe Mueller Member
access_time 114 minutes ago

Consider a credit freeze or extended fraud alert

The FTC suggests setting up a one-year fraud alert once you notice signs of identity theft, but you can also ask the credit bureaus for an extended fraud alert that lasts for seven years. As an alternative, you can also set up a credit freeze with each of the credit bureaus, which will prevent anyone from opening new accounts in your name until you personally . Fortunately, anyone can freeze their credit reports or for free — even if they have never been a victim of identity theft.
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Ryan Garcia 23 minutes ago

Take smart steps to protect your personal information

There are other steps you can take to...
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<h3>Take smart steps to protect your personal information</h3> There are other steps you can take to prevent hackers and thieves from getting their hands on your personal information in the first place. These include using a mobile wallet to , setting up multi-factor authentication on your accounts when available, signing up for account alerts so you know when a purchase is made, and taking the time to look over your credit reports several times per year.
Ethan Thomas Member
access_time 195 minutes ago

Take smart steps to protect your personal information

There are other steps you can take to prevent hackers and thieves from getting their hands on your personal information in the first place. These include using a mobile wallet to , setting up multi-factor authentication on your accounts when available, signing up for account alerts so you know when a purchase is made, and taking the time to look over your credit reports several times per year.
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Emma Wilson 88 minutes ago
Also, make sure you install antivirus software on your devices so hackers and thieves can’t easily...
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Also, make sure you install antivirus software on your devices so hackers and thieves can’t easily access your information or plant a virus on your computer. You should also collect your mail every day, place a hold on your mail when you travel away from home for several days and check to make sure you’re receiving the bills you should be.
Isaac Schmidt Member
access_time 120 minutes ago
Also, make sure you install antivirus software on your devices so hackers and thieves can’t easily access your information or plant a virus on your computer. You should also collect your mail every day, place a hold on your mail when you travel away from home for several days and check to make sure you’re receiving the bills you should be.
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According to , paying special attention to your billing cycles can also be helpful since you’ll know right away if one of your bills is missing and you can contact the sender. <h2>The bottom line</h2> By keeping a close eye on your accounts and making sure your information isn’t easy to find, you can avoid . If you regularly make a habit of checking your credit card statements and credit report, you will be more likely to catch suspicious activity before it wreaks too much havoc on your finances.
Natalie Lopez Member
access_time 82 minutes ago
According to , paying special attention to your billing cycles can also be helpful since you’ll know right away if one of your bills is missing and you can contact the sender.

The bottom line

By keeping a close eye on your accounts and making sure your information isn’t easy to find, you can avoid . If you regularly make a habit of checking your credit card statements and credit report, you will be more likely to catch suspicious activity before it wreaks too much havoc on your finances.
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Isaac Schmidt 49 minutes ago
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What to Do If Someone Opens a Credit Card in Your Name Bankrate Caret RightMain Menu Mortgage Mortg...
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SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. <h2> Related Articles</h2> </h2> </h2> </h2> </h2>
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SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.

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