In today's interconnected world, technology offers incredible convenience, but it also presents opportunities for identity theft. Criminals are increasingly sophisticated, using stolen personal information like names, Social Security numbers, and credit card details to commit fraud. Understanding the common methods thieves use is the first step in safeguarding yourself and your sensitive data. 

Understanding the Tactics: How Identity Thieves Operate 

Identity theft isn't just about hacking into computers; it often involves exploiting vulnerabilities in our everyday routines and online habits. Here are some common ways thieves try to steal your information: 

• Dumpster Diving: Don't underestimate the power of your trash! Thieves sift through discarded documents and bills to find personal data.  
  • Protect yourself: Shred all documents containing personal information before throwing them away. 
• Skimming: This involves using devices to steal information from the magnetic strips of your cards at ATMs, gas pumps, or other payment terminals.  
  • Protect yourself: Inspect card readers for anything unusual like loose attachments or tape residue. Shield the keypad when entering your PIN. 
• Phishing: Deceptive emails, texts, and pop-up messages disguised as legitimate businesses try to trick you into revealing sensitive information.  
  • Protect yourself: Be wary of unsolicited requests for personal data online. Legitimate companies rarely ask for this information via these channels. Verify requests by contacting the institution directly using a known phone number. 
• Pretexting: Thieves impersonate businesses or financial institutions over the phone to get you to divulge personal details.  
  • Protect yourself: Be cautious about giving out personal information to unfamiliar callers. If you're unsure, hang up and call the company back using a verified number. 
• Changing Your Address: Thieves can file a change of address form to redirect your mail, gaining access to billing statements and other sensitive documents.  
  • Protect yourself: Monitor your mail delivery and report any missing bills or expected correspondence immediately. 
• Stealing: Simple theft of purses, wallets, and mail remains a common method for obtaining credit cards, pre-approved offers, and personal information.  
  • Protect yourself: Be vigilant about your belongings and promptly report any lost or stolen items. 

Protecting the Vulnerable: Child Identity Theft 

Children are also targets for identity theft, as their clean credit records can be exploited for years.  

Protect your child's information: 

• Limit Sharing: Only provide your child's information to trusted entities like medical providers and schools and inquire about their data protection practices. 
• Secure Documents: Shred documents with your child's personal information and store important documents like birth certificates and Social Security cards in a secure place. 
• Know Your Rights: Understand your rights under the Family Educational Rights and Privacy Act (FERPA) regarding the sharing of your child's information by educational institutions. 
• Monitor for Signs: Be aware of potential warning signs, such as receiving credit card offers in your child's name or notifications from the IRS about their Social Security number being used. If you suspect child identity theft, contact the police immediately. 

Taking Action: Reporting and Recovering from Identity Theft 

Early detection and prompt action are crucial in mitigating the damage caused by identity theft. If you suspect you've been a victim: 

• Report to the Police: File a police report, specifically requesting an Identity Theft Report. 
• Contact Credit Bureaus: Immediately contact one of the three major credit bureaus (Equifax, Experian, TransUnion) to place a free fraud alert on your credit report. The bureau you contact is required to notify the other two. 
• Monitor Your Accounts: Carefully review your bank and credit card statements and credit reports for any unauthorized activity. 
• Report to the FTC: File a complaint with the Federal Trade Commission (FTC) at IdentityTheft.gov. This provides valuable information for law enforcement and can help you with recovery. 

Recovery is Possible: 

Recovering from identity theft can be a lengthy process, but it's achievable. In addition to reporting the crime, consider these steps: 

• Maintain Fraud Alerts: Keep fraud alerts active on your credit reports. 
• Dispute Inaccuracies: Report any errors or fraudulent activity on your credit reports to the respective credit bureaus. 
• Close Compromised Accounts: Close any accounts that have been tampered with or opened fraudulently. Follow up with written confirmation. 
• Stay Vigilant: Continue to monitor your credit reports and financial accounts for any further suspicious activity. 

By understanding the methods used by identity thieves and taking proactive steps to protect your personal information, you can significantly reduce your risk  of becoming a victim. Stay informed, be cautious, and act quickly if you suspect your identity has been compromised. 

Learn more about fraud and identity protection here.  


Reviewed April 2025
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Ameris Bank is not affiliated nor endorses the companies referenced in this article.