Smart and Protected

If You Think it's Happened

How Do You Know?

Here are some things to watch for that may indicate you have been hit:

	Lost / stolen wallet
	Car or home broken into
	Data breach letter from company or association
	A call / letter saying a creditor has received a credit application with your name and Social Security number
	A call / letter approving or denying you from a creditor
	Credit card, utility or telephone statements with your name and address for which you did not apply
	Change of address statements (checking accounts, utility and phone accounts)
	Missing mail (i.e. – bank, credit card, telephone, utility statements)
	Unrecognized purchases on your credit card statement
	Unrecognized deposits, transfers, withdrawals especially international use of bank, checking or investment/savings accounts

If you look at your credit report (which you should) here are some possible signs you have been hit:

	New accounts, closed accounts and collection accounts
	Name or address change
	Employment change
	Credit limit change
	Tax liens
	Judgments
	Bankruptcy filings
	Unauthorized inquiries

If you detect any of the above, you should follow these action steps.