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Holiday Debt is Even Uglier

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Identity Fraud

Detecting Suspicious Activity

With ID theft, early detection is the key! Detect suspicious activity by routinely checking your account and billing statements.

Also...

  • Read your credit card statements and financial accounts carefully, looking for any charges you did not make.
  • Check your credit report yearly. The law allows you to have a free copy of your credit report every year annualcreditreport.com

Here are a few warning signs you may be a victim:

  • Oftentimes, there aren’t any!
  • Your monthly credit card or financial statements contain fraudulent charges, or suddenly stop arriving
  • You don’t receive any mail for several days
  • You are denied credit for no apparent reason
  • You start getting bills from unfamiliar companies for goods or services you didn’t request
  • Credit collection agencies try to collect on debts that don’t belong to you

No warning signs?

  • Check your credit report anyway!
  • Get one free report per year from each bureau
  • Look for accounts you didn’t authorize
  • Check for accuracy; dispute inaccuracies
  • Beware of emails and websites offering “free” credit reports
  • Don’t give your social security just to get a free credit report

Identity Fraud

Other Services

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