ID Theft & Privacy Checklists

Here are U.S. PIRG's identity theft and privacy tips, including descriptions of different types of ID theft; checklists  for preventing, detecting, and resolving ID theft; a checklist for protecting your online privacy; and links to additional resources. These documents can also be downloaded here.

TYPES OF IDENTITY THEFT

There are a variety of ways stolen data can be used, depending on what was taken. Different types of ID theft and fraud include:

Financial Identity Theft  

Existing Account Fraud: If a thief obtains a credit or debit card number, the thief can access existing bank and credit accounts for in-person transactions.

New Account Identity Theft: With a full name and Social Security number (SSN), a thief can open up new credit accounts.

Tax Refund Fraud

With a full name, SSN, and a birthdate, a thief can attempt to file your taxes and claim your refund.

Health Care/Medical Fraud

With a full name, SSN, a birthdate, (and sometimes an existing health insurance account number), a thief can attempt to receive benefits and services in your name.

Reputational & Physical Harm

Some breaches involve personal information that can be used to blackmail, stalk, or otherwise inflict reputational or physical harm against data breach victims.

Phishing

With just a phone number or email address, a thief can use “phishing” scams to attempt to collect more information needed to commit any of the above more severe crimes.

PROTECT YOURSELF FROM IDENTITY THEFT

Use these checklists to help you prevent, detect, and resolve identity theft.

PREVENTING IDENTITY THEFT

The first key to protecting yourself from ID theft is prevention.

ID Theft Prevention for Online & Electronic Activity

  • Consider locking your laptop at your work desk or when you’re in a public place.

  • Set a password for your computer, smartphone, and tablet. Use six digits instead of four for your smartphone password.

  • Set online account passwords that include at least 10 characters and a combination of capital letters, numbers, and symbols in the middle of the password, not the beginning or end.

  • Avoid using the same password for different accounts. Consider using a password manager.

  • Turn on two-factor authentication for your online accounts if available. You will receive additional codes for accessing your online accounts, in addition to your passwords.

  • Keep all software updated. Turn on automatic updates for all software, including antivirus programs.

  • Don’t show information on social networking sites that is commonly used to verify your identity, such as date of birth, city of birth, mother’s maiden name, name of high school, etc. If you do, don't use that information to verify your identity.

  • Turn on your laptop’s firewall and turn off file sharing and “network discovery” for public WiFi connections.

  • Turn off automatic connections to WiFi networks on your electronic devices.

  • Send personal information online through fully encrypted websites or apps. Encrypted websites start with https. The non-profit Electronic Frontier Foundation has the HTTPS Everywhere extension for your web browser that will make sure you’re using encrypted communications on websites that support encryption. In addition to using encrypted websites, online transactions are best conducted over secure encrypted WiFi connections or your phone’s data network, versus an unsecure WiFi connection.

  • Consider using a Virtual Private Network (VPN) when in public.

  • Secure your home router. Steps for doing so are available on the Federal Trade Commission’s website.

  • Disable Bluetooth connections on devices when not in use.

  • Watch out for “phishing” scams where identity thieves request personal information by pretending to be a legitimate entity, such as a bank or the IRS. Ignore unsolicited requests for personal information by email, links, or over the phone - and only contact entities by means you know to be legitimate.

  • Use credit cards instead of debit cards for all online and in-person purchases if possible. Consumers have more legal protections against fraud with credit cards and can also avoid having to wait for stolen funds from checking accounts to be replenished. Consider only carrying debit cards for trips to the ATM or cash-back transactions.

  • Sign up for your “my Social Security” account If you receive Social Security benefits through direct deposits. This will help prevent a scammer from opening an account in your name and changing your direct deposit information.

  • Dispose your old computers and mobile device safely to keep data out of the wrong hands. You’ll want to look up steps for your specific device, but below are basic steps.

For computers: Save data you want to keep and transfer, “wipe” or overwrite your hard drive many times, and keep it out of the landfill by recycling, donating, or reselling it. (Deleted files can still be recovered if you don’t wipe your hard drive clean many times.)

For mobile devices: Backup your phone, reset your device, remove or erase SD & SIM cards, and keep it out of the landfill by recycling, donating, reselling, or trading it.

ID Theft Prevention for Offline Activity

  • Do not disclose your full nine-digit Social Security number unless absolutely necessary, and never use it as an identifier or password. Question those who ask for it. If someone calls claiming to be from your bank security department, it’s best to hang up and call the number on your card.

  • Lock your records and financial documents at home.

  • Lock your mailbox if it's lockable.

  • Shred documents containing personal information (name, account numbers, any part of your social security number, and birth date) before throwing them away.

  • Opt out of pre-approved (pre-screened) credit & insurance offers. Credit and insurance companies buy “prescreened” lists from the credit bureaus to make pre-approved offers to prospective customers. While such offers provide consumers with information about possible credit options, identity thieves may steal these pre-approved offers and apply for them with your personal information. Optoutprescreen.com is the official website where by law you can opt out of receiving these offers for five years or permanently. You can also opt back in any time.

  • Use the chip side of chip enabled cards, instead of the magnetic strip side, for in-person purchases whenever possible. Beware devices called skimmers and shimmers that criminals install on ATMs and card readers at checkout lines or gas pumps to steal your credit card information. When using ATMs and card readers, look and touch for signs of tampering, such as mismatched colors or loose parts. Always cover your hand while hand typing a PIN, and avoid using ATMs in secluded locations. ATMs at banks are the least likely to have skimmers.

  • Use credit cards instead of debit cards for online and in-person purchases if possible. Consumers have more legal protections against fraud with credit cards and can also avoid waiting for stolen funds from checking accounts to be restored.

  • Place credit freezes on your credit reports. Our separate “credit freeze” tips explain how to prevent new account identity theft by freezing your credit reports.

  • File your taxes as soon as possible to help prevent tax refund fraud. A fraudster can still file taxes in your name even if you’re not required to file taxes or aren’t eligible for a refund.

  • Protect your deceased loved ones from identity theft by notifying appropriate institutions of their deaths.

DETECTING IDENTITY THEFT

  • Check your monthly statements for unauthorized charges. Be suspicious of phone calls about surprise debts.

  • Sign up to receive email and/or text notifications of account activity and changes to account information.

  • Instead of paying for over-priced subscription credit monitoring, use your free annual credit reports as your own credit monitoring service. Every 12 months, federal law gives you the right to receive one free credit report from each of the three main credit bureaus, Equifax, Experian and TransUnion. Instead of requesting three at the same time, request one credit report from one of the bureaus every four months. Verify that the information is correct and that accounts have not been opened without your knowledge. Free credit reports are available online at AnnualCreditReport.com, by phone at 1-877-322-8228, or by mail. There are other non-official sites that offer free reports too. 

Beware of sites that promise free reports and credit scores but may use trial-offer gimmicks to urge you to switch to paid credit monitoring or other services. There are some sites that offer no strings attached, free monitoring services - just expect to see ads. And also know that the credit scores on those sites are most likely not FICO scores as used by most creditors.

  • Check if your online accounts have been hacked. Haveibeenpwned.com is a free tool you can use to check whether your online accounts may have been compromised in data breaches.

RESOLVING IDENTITY THEFT

  • Visit Identitytheft.gov, the government’s official website that will walk you through clear checklists of actions you can take to recover from identity theft.

PROTECT YOUR ONLINE PRIVACY

Use this checklist to help you control how your personal information is used or shared.

  • Cover the camera on your laptop to prevent hackers from watching and recording you.

  • Consider your options for blocking websites, advertisers, and others from tracking your online activity on your computer, including: adjusting your cookies settings on your browser, installing a tracking blocker for your web browser, or opting out of targeted advertising. Note that “private browsing” settings by themselves still allow your activity to be communicated to third-parties during a browsing session.

  • Consider your options for blocking advertisers from tracking your online activity on your mobile device, including turning off ad tracking and resetting “device identifiers.” You can also research ways of controlling ad tracking on your other smart devices, such as internet connected entertainment systems.

  • Check your the privacy settings on your mobile device to control the access that different apps have to your personal information, including location, personal contacts, photos, calendar, and health data. Many apps have the ability of tracking your location even when you’re not using them.

  • Check your privacy and other settings in your Facebook account to control tools such as face recognition, location history, and ad preferences.    

  • Check your privacy settings in your Google account to control tools such as the collection of your web searches and other activity and the ads you see.

  • Check your privacy settings in your other apps and social media accounts.

IDENTITY THEFT & PRIVACY RESOURCES

Issue updates

News Release | Consumer Protection

Equifax Offers Incomplete Protection After Breach: Advocates Suggest What Else Consumers Can Do

Consumers should know the risks and limits of what Equifax is offering and consider getting credit freezes with all three national credit bureaus instead.

> Keep Reading
News Release | TexPIRG Education Fund | Consumer Protection

Equifax Breach Puts Millions at Risk of New ID Theft

The Equifax breach affecting over 140 million Americans appears to be the largest of its kind and is beyond troubling. The types of stolen information, including social security numbers and dates of birth, can be used to commit new account identity theft against all of these people. Additionally, stolen credit cards affecting over 200,000 people in this breach can also be used to commit existing account identity theft. 

Equifax should alert all affected people to the benefits of credit freezes and offer them to all Americans for free of charge with all three major national credit bureaus. For people who don’t want credit freezes, Equifax should offer free credit monitoring for an unlimited amount of time.

> Keep Reading
News Release | TexPIRG | Consumer Protection

Harvey Victims Threatened by Scams and Unfair Insurance Practices

AUSTIN—The Texas Public Interest Research Group (TexPIRG) is warning consumers against potential scams and is advising consumers to take advantage of the resources available to them online from various legal groups.

TexPIRG notes FEMA has announced that homeowners and renters are getting robocalls telling them their flood premiums are past due. In order to have coverage for Hurricane Harvey, consumers are told they need to submit a payment immediately.

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Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

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Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

TexPIRG applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

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Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

TexPIRG applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

> Keep Reading

L'Oréal: Pledge to Be Toxic-Free

Today, TexPIRG, Campaign for Safe Cosmetics (a project of Breast Cancer Prevention Partners (BCPP)), and Safer Chemicals Healthy Families delivered more than 150,000 petition signatures calling on the multinational cosmetic giant L’Oréal USA to eliminate cancer causing chemicals and to disclose its secret “fragrance” chemicals. 

> Keep Reading
News Release | TexPIRG | Consumer Protection

1600 Texans Complain of Aggressive Tactics to Collect Medical Debt

Medical debt collectors often employ aggressive tactics and attempt to collect debt from the wrong customers – putting consumers' credit records at risk, according to the consumer advocacy group TexPIRG. Since 2013 more than 1600 Texans have submitted medical debt complaints to the Consumer Financial Protection Bureau (CFPB) with Commonwealth Financial Systems being the most complained about company.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

Court to Rehear CFPB’s Constitutionality

Statement by Mike Landis, Litigation Director at U.S. PIRG, about today’s decision by the D.C. Circuit Court of Appeals to rehear en banc the panel ruling against the CFPB’s independent leadership. 

> Keep Reading
News Release | Consumer Protection

Unilever: Go Toxic-Free

On Valentine’s Day, consumer groups thank Unilever for great first step in disclosing fragrance ingredients and call on personal care giant to go toxic-free.

> Keep Reading

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Report | TexPIRG | Consumer Protection

Trouble in Toyland

The 2011 Trouble in Toyland report is our 26th annual survey of toy safety. In this report, we provide safety guidelines for consumers when purchasing toys for young children and provide examples of toys currently on store shelves that may pose potential safety hazards.

> Keep Reading
Report | TexPIRG | Consumer Protection

Chemical Insecurity

Across the United States, thousands of industrial facilities use and store hazardous chemicals in large quantities that pose major risks to their neighbors.  More than 100 of these facilities would each put at least one million people at risk of injury or death in the event of a chemical release.

> Keep Reading
Report | TexPIRG | Consumer Protection

Pulp Fiction

Across the country, pulp and paper mills,  petroleum refineries, chemical plants and  other industrial facilities use and store large  amounts of hazardous chemicals that could be  released in the event of an accident or  terrorist attack.  Releases at these chemical  facilities could endanger thousands or even  millions of people working and living in  nearby communities.  According to the  Environmental Protection Agency (EPA),  more than 100 facilities each would endanger  at least one million people in a worst-case  chemical release.  Another 3,000 facilities each  would endanger at le

> Keep Reading

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Blog Post | Consumer Protection

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

> Keep Reading
Blog Post | Consumer Protection

Our new "CFPB Can Help" video is live | Ed Mierzwinski

Please like and share our new video short (it's less than a minute) letting consumers know how the "CFPB can help." The CFPB, of course, is the Consumer Financial Protection Bureau, established as part of the Wall Street Reform and Consumer Protection Act of 2010.

> Keep Reading

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