Identity Theft
Someone pretending to be you for profit.
What it is
Criminals use stolen personal info to open credit cards, take loans, or commit crimes in your name.
How it works
They combine leaked data (name, address, SSN) with phishing to impersonate you with banks and stores.
How people get tricked
Most people only notice after damage is done — strange charges, denied loans, mail for accounts you didn't open.
How to protect yourself
- ✓ Freeze your credit reports — it's free and reversible.
- ✓ Review bank statements monthly.
- ✓ Shred mail with personal info before throwing it out.
- ✓ Don't share your full birthday or SSN unless absolutely required.
Know this now
A credit freeze is the single most effective shield against identity theft.