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You’re one of a kind. Keep it that way.

Everyone is vulnerable to identity theft, and the results can be devastating: stolen funds, a ruined credit rating, and debt that isn’t yours. But don’t panic— there’s a lot you can do to avoid becoming a victim. To protect yourself:

Keep sensitive personal information under wraps
Learn to recognize and thwart common theft strategies
Act quickly to limit damage

What Is Identity Theft?

Identity theft occurs when someone steals your personal information and uses it to assume your identity in order to commit fraud or other crimes.

Types of Identity Theft

Identity theft can take a variety of forms, from simple credit card fraud to serious criminal identity theft.

Account takeover: The thief uses your existing credit card or bank accounts to make purchases or withdrawals, stealing your money and damaging your credit (your documented financial reputation).
Application fraud: The thief uses your personal information to open new accounts in your name, usually with a fraudulent address. Also known as true name fraud. Though this type of identity theft doesn’t result in lost money, it can damage your credit.
Criminal identity theft: The thief uses your personal information to assume your identity. The thief gives your name and presents counterfeit ID to law enforcement when questioned or arrested for a crime. In a worst-case scenario, you could be prosecuted for the actions of the thief who has stolen your identity.

What Identity Thieves Want

The table below provides a summary of the specific kinds of personal information that identity thieves seek. You should keep this information as secure as possible.

Information		Why Identity Thieves Want It
Social Security number (SSN)		Uniquely identifies you for employment and credit; serves as the gateway to all your financial information
Date of birth		Used to verify your identity; especially useful alongside your SSN
Account numbers		Can be used to withdraw money or make purchases by phone or online
Mother’s maiden name		Used to verify your identity and authorize access to your financial information
PINs and passwords		Allow access to your various banking, credit card, and online accounts
Driver’s license number		Can be used to obtain fraudulent identification

Acknowledgments & Disclaimer

Next:
How Your Identity Can Be Stolen

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