What is identity theft and why is it important to protect yourself?

Your identity is valuable and fraudsters are constantly looking for ways to access it. The steps below can help you keep your information safer, protect your family and feel more confident navigating the digital world.

How to help protect your identity

Identity protection starts with small choices you make when handling your information online, on your devices, or over the phone. Here are easy ways to help strengthen your defenses:

• Use strong, unique passwords. Avoid reusing passwords across multiple accounts. Strong, unique passwords make it harder for criminals to break in.
• Turn on multi-factor authentication (MFA). MFA adds a second step like a text code or app prompt so even if your password is stolen, a criminal can’t easily access your account.
• Monitor your financial accounts regularly. A quick monthly check can help you spot strange charges or activity before it becomes a bigger problem.
• Be cautious with your personal information. Only share sensitive details (like your address, birthdate, or Social Security number) with trusted organizations and only when necessary.
• Keep devices and networks secure. Install updates promptly, use a locked home Wi-Fi network, and avoid logging into sensitive accounts on public internet connections.
• Enable account alerts. Identity or account alerts can notify you quickly about suspicious activity, giving you time to act before the damage grows.

How to help protect kids’ identities

Children can be targets because their credit histories are clean and fraud can go unnoticed for years. Here are simple steps to help safeguard their identities:

• Keep personal details private. Store Social Security numbers, birth certificates, and school records securely. Share a child’s information only when absolutely necessary.
• Check for credit activity periodically. Children typically should not have a credit file. If one exists, review it for unfamiliar accounts.
• Stay involved in their online world. Help kids understand which personal details should stay private. Guide their social media settings, app permissions, and gaming accounts to limit oversharing. Huntington’s guide can help with these conversations.

What to do if your identity is compromised

If you discover signs of identity theft, act quickly:

1. Contact your financial institutions. Report suspicious charges, lock or replace cards, and review your recent transactions.
2. Change your passwords. Update passwords for banking, email, shopping, and any account connected to your financial life.
3. Place a fraud alert or freeze your credit. A fraud alert adds extra verification to new credit requests. A credit freeze blocks new accounts entirely until you lift it.
4. Review your credit reports. Look for unfamiliar accounts, personal information changes, or recent inquiries you didn’t authorize.
5. Monitor your accounts closely. Keep an eye on statements, alerts, and any unexpected mail or emails.