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SecurityShoring up security: Ways to enhance the financial security in your daily life.

Common Signs of Identity Theft

While many people first find out about identity fraud from their financial institutions, there are some red flags that indicate your personal information may have been stolen and used for fraudulent purposes. Listed below are nine of the most common signs of identity theft.

  1. Unexplained charges or withdrawals. Check your financial account statements each month and be sure you recognize the transactions. Thieves will often make small test purchases first, so don't ignore small charges that seem unfamiliar.
  2. Medical bills for doctors you haven't visited. Likewise, if your health insurance carrier denies a legitimate claim, find out why. It's possible for a thief to use your identity to obtain medical care or max out your insurance benefits.
  3. New credit cards you didn't apply for. If you receive an unexpected credit card in the mail, contact the company issuing the card right away. Similarly, any statements that arrive for unknown accounts are a red flag.
  4. Unexplained errors on your credit report. Review your credit reports for any suspicious activity, such as accounts you didn't open.
  5. Collection notices or calls for unknown debt. Don't assume the information is in error. Find out what the debt is for. If you believe the debt isn't valid, send a letter via certified mail to the collection agency requesting proof of the debt and creditor within 30 days.
  6. Your credit card or application for credit is denied. If you haven't reached your credit limit or normally have good credit, ask the reason for the denial. An identity thief may be racking up debt on your behalf or ruining your credit score with unpaid bills.
  7. Missing mail or email. Haven't seen a monthly statement in a few months? A thief could be stealing your mail or may have changed the mailing or email address on the account to keep you from seeing fraudulent charges. Alternately, you may receive notice from the post office that your mail is being forwarded to another address when you haven't requested a change of address.
  8. Errors on your tax return or Social Security statement. The Internal Revenue Service may notify you that more than one tax return was filed in your name or that you have income from an employer you don't know. Check that the earnings reported on your Social Security statement available at socialsecurity.gov/myaccount match your actual earnings.
  9. A warrant for your arrest. While it may seem extreme, it's possible for someone to impersonate you while committing a crime. You may uncover the warrant if you're stopped for another reason or involved in an accident, for example.


    Helpful Resources

    ID Theft Protection 
    ID Theft Education
    ID Theft Coach
    Online Security Tips
    Phishing & Email Scams

Take action

Safeguard your identity

  • Hawaii Community Federal Credit Union members are eligible for discounts on several Fraud Defender products that can help you monitor your credit, alert you to potential fraud and restore your identity in the event of theft.