The 10-Step ID Theft Prevention Checklist (Printable)

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Identity Theft is Silent (Until It's Too Late)

We all think it won't happen to us. I thought the same thing—until I saw a transaction on my statement that I didn't make. The panic of realizing a stranger has access to your hard-earned money is a feeling I never want you to experience.

Skimmers are getting smaller, and scammers are getting smarter. But you don't have to be a victim. I’ve put together this 10-step security checklist to help you lock down your financial life.

Scroll to the bottom to get the free "Billboard Summary" graphic to keep on your phone.

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The 10-Step ID Theft Prevention Checklist

• 1. Use chip or test stability of reader before swiping.
  Skimmers are often loose or bulky. Give the card reader a firm wiggle before you insert your card. If it feels flimsy or moves, walk away. Using the "Chip" is always safer than the magnetic strip.
• 2. Go to AnnualCreditReport.com.
  This is the official government-authorized site. You are entitled to a free report every year. Check it for loans or accounts you didn't open.
• 3. Go to Credit Karma for free monitoring.
  Checking your report once a year isn't enough. Scammers work fast. I use Credit Karma because it's free and they send me an alert the moment something changes on my report. It’s the easiest way to catch a thief early.
• 4. Assign passwords with your utilities and banks.
  Don't just rely on your mother's maiden name. Call your utility companies and ask to put a verbal password on your account so no one can call in pretending to be you.
• 5. Limit access with your bank on items you don't use.
  Most traditional banks leave your debit card wide open 24/7. This is dangerous. This is why I switched my daily spending to Chime.
  
  With the Chime app, I can instantly disable international transactions or freeze my card entirely with one tap. Plus, if you join now and set up a qualifying direct deposit, you get a $100 welcome bonus to start your emergency fund.
• 6. Dispute all fraud with the CRAs.
  If you find an error, dispute it immediately with the Credit Reporting Agencies (Equifax, Experian, TransUnion). Do not wait.
• 7. Freeze reports with CRA if needed.
  If you aren't applying for a loan soon, "Freeze" your credit. It acts like a digital padlock, making it impossible for thieves to open new credit cards in your name.
• 8. Remember PINs and NEVER Share them.
  No legit bank will ever ask for your PIN over the phone or text. Memorize it and destroy the paper it came on.
• 9. Don't click links and give information by email or phone.
  "Phishing" texts are the #1 way accounts get hacked. If you get a text saying "Your account is frozen, click here," delete it. It is a trap.
• 10. Always call back and verify the ID of who calls you.
  If your "Bank" calls you, hang up. Flip your debit card over, find the official customer service number on the back, and call them yourself. This ensures you are talking to a real agent, not a scammer.

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Save the Safety Checklist

I created this high-resolution summary so you can save it to your phone or print it out for your fridge. Stay safe out there!