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Identity theft occurs when someone uses your personal information (such as your Social Security number, credit card number, or driver's license) without your permission to commit fraud or other crimes.

Signs of identity theft include unauthorized transactions on your accounts, receiving bills for items you didn't purchase, denied credit for no apparent reason, or notifications of data breaches involving your information.

• Place a fraud alert with one of the credit bureaus (Experian, Equifax, or TransUnion).
• Check your credit reports for unauthorized activity.
• Contact your bank and credit card issuers to report the fraud.
• File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov.
• File a police report if necessary.

Identity theft can occur through data breaches, phishing emails, lost or stolen wallets, unsecured online activity, mail theft, or scams where you unknowingly give out your information.

• Use strong, unique passwords for your accounts.
• Enable two-factor authentication where possible.
• Regularly check your credit reports and bank statements.
• Avoid sharing personal information online or over the phone.
• Shred sensitive documents before disposal.

A credit freeze restricts access to your credit report, making it harder for identity thieves to open new accounts in your name. It's a good option if you believe your information has been compromised.

Fraudulent activities like unpaid debts or unauthorized credit accounts can damage your credit score. Resolving these issues may take time and effort, even after the fraud is discovered.

Yes. Your Social Security number can be used to open new accounts, file false tax returns, or commit other types of fraud. Protect your SSN and only share it when absolutely necessary.

• Report the theft to your bank and credit card issuers.
• Notify the DMV if your driver's license was stolen.
• Place a fraud alert on your credit reports.
• File a police report to document the theft.

Recovery time varies, but it can take anywhere from a few weeks to several months or even longer, depending on the severity of the fraud and the steps needed to resolve the issue.