Identity Theft Recovery Steps: What to Do First
Last updated: October 13, 2026 Finding out that someone has used your name, Social Security number or account details is stressful, and it is tempting either to freeze or to try to fix everything at once. A calmer approach works better. Identity theft recovery is a sequence of fairly small tasks, done in the right order, and the first few hours matter most. This guide follows the order recommended by the Federal Trade Commission (FTC), which runs the official reporting site IdentityTheft.gov , and adds the federal rights that help you clean up your credit reports afterward. It is written for people in the United States and is general information, not legal advice. Signs Your Identity May Have Been Stolen The FTC lists several ways to tell whether someone is misusing your information: Charges for things you did not buy, or withdrawals you did not make. A bill you stopped receiving, which could mean someone changed your billing address. A new bill you did not expect. Accounts ...