Do these 3 things before closing this tab:
1Fix the driver behind crashes, sound loss and screen glitches2Clear out junk files and repair common Windows errors3Scan for outdated or missing drivers - takes under a minuteIf you suspect someone opened an account using your identity, contact the company’s fraud department and check the reporting system for that kind of account. For credit accounts, review all three credit reports; for a new checking account, request your free ChexSystems report. Then report the identity theft at IdentityTheft.gov and use its recovery plan to guide the next steps. This guidance is for U.S. consumers.
What to do first
- Contact the company named on the account. Ask for its fraud department. Explain that the account is not yours and ask the company to close or freeze it. Request written confirmation that you are not liable and that the account has been removed from your credit report, if it was reported there. Keep dated notes of calls and copies of messages.
- Secure affected sign-ins. Change passwords and PINs for accounts involved. If you reused any exposed password or PIN elsewhere, change it there too.
- Check your credit reports. Get free reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com. The FTC says consumers can check reports weekly for free. Look for unfamiliar accounts and transactions.
- Place a fraud alert or credit freeze. These are free options that can make it harder for someone to open additional credit in your name; the differences are explained below.
- Report the identity theft. Use IdentityTheft.gov or call 1-877-438-4338. The FTC says the information you provide generates an Identity Theft Report and a personal recovery plan. If you do not create an account on the site, save or print both before leaving the page; the site warns they may not be accessible afterward.
Check the system that matches the account
Credit card, loan, or other credit account
Review all three nationwide credit reports and contact the creditor listed on the unfamiliar account. If the fraudulent information appears on a report, an FTC Identity Theft Report can support a request to have the bureaus block it. The FTC explains the process in its identity-theft rights guidance.
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Checking account
Request a free report from ChexSystems and review it for unfamiliar activity. Contact each financial institution where a new account appears. The FTC’s checking-account identity-theft steps describe this process.
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Phone or utility account
Contact the phone or utility provider’s fraud department. For phone-related accounts, the FTC’s recovery guidance also points to the National Consumer Telecom and Utilities Exchange (NCTUE) data report. If a provider does not resolve a telecom problem, the FTC guide identifies an FCC complaint route.
#1 Best Overall
- 【RFID Protection】This women's RFID-blocking wallet features advanced technology to protect your personal information from electronic theft, keeping you safe while traveling or on the go
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Fraud alert or credit freeze: which should you use?
Both are free, but they work differently. A fraud alert tells businesses to take extra steps to verify your identity before issuing new credit. A freeze restricts access to your credit report unless you lift or remove it.
| Option | Duration | Who can use it | Where to request it | Effect on new credit applications |
|---|---|---|---|---|
| Initial fraud alert | One year | Available free to consumers | Contact one of the three nationwide credit bureaus; that bureau must notify the other two | Businesses must take extra steps to verify your identity before issuing credit |
| Extended fraud alert | Seven years | Identity-theft victims with an FTC Identity Theft Report | Request it from a credit bureau | Businesses must take extra steps to verify your identity before issuing credit |
| Credit freeze | Until you lift or remove it | Available free to anyone | Request it separately from each of the three nationwide credit bureaus | Restricts access to your credit report unless you lift or remove the freeze |
If you apply for credit while a freeze is in place, you may need to lift it so a lender can access your report. The FTC’s recovery steps and rights guidance explain these tools.
Rank #2
- SECURE YOUR WALLET FROM e-PICKPOCKETING: Prevent potential identity and financial theft through your contactless cards. This is the simplest and most effective prevention solution! Block RFID and NFC signals, protect your personal information, and enjoy peace of mind wherever your travels or business take you.
- JAMMING CHIP: An antenna and jamming chip makes up the main components of the card. The antenna will sense incoming radio waves and draw power for the chip to create a jamming signal. Lifetime usage as the card does not require battery.
- BROAD WORKING DISTANCE: With a 2.4” working distance, your entire wallet stays protected. The premium RFID blocking card helps secure cards within 1.2” on either side, providing reliable protection against electronic pickpocketing.
- ULTRA-THIN & COMPACT: At the size of a standard credit card and at only 0.03” thick, the card will fit into any wallet, purse or card case. Keep your wallet compact with no added bulk from this card. Best for travel, business, and everyday use.
- TEST THE CARD: Test the card is working at your local supermarket. At the self-service checkout machines, combine the card and a contactless card on the payment reader. Payment with the contactless card will be blocked and an error message should occur on the reader.
Use your Identity Theft Report to dispute records and request evidence
Send the FTC Identity Theft Report, identification, and a clear description of the fraudulent information to a credit bureau when asking it to block that information. You can also ask the business involved for records related to the identity theft, such as applications or transaction records. The FTC provides sample letters for these requests. Keep copies of letters and notes of calls.
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Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →Secure the accounts the person might use next
Prioritize email, banking, and payment accounts. Use a unique, strong password for each account and enable two-factor authentication wherever it is offered. The FTC recommends authenticator apps or security keys over codes sent by text or email when those safer options are available. A password manager is one option the FTC identifies for generating and remembering unique passwords. See its guides to two-factor authentication and strong passwords and account protection.
Rank #3
- Slim and Thin Wallet - This minimalist bifold wallet measures 4.3x3.2x0.6 inches and stores up to 15 cards. The bifold wallet perfectly fits in your pocket and is well-suited for everyday carry
- Elite Features - 2 ID windows (DL & Other ID Cards) and 2 quick slots allow for quick access during travel, shopping or work. With 15 card slots and 2 more slots behind them, it is easy to carry all your important cards,cash and bills, meet all your daily needs
- RFID Blocking- Our wallets are equipped with advanced RFID SECURE Technology, a unique metal composite, engineered specifically to block 13.56 MHz or higher RFID signals and protect the valuable information stored on RFID chips from unauthorized scans.License and ID cards will be protected effectively. No more worrying about unauthorized scans during travel, shopping, or daily commuting!
- Durable Surface - Our leather wallets are pressed with high quality 3 layers leather, which is more durable than 2 layers leather wallets. The surface of the leather is made more scratch-resistant by special treatment, which can effectively prevent small scratches caused by keys and buttons in life
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A physical security key is optional, and only useful for accounts that support it. The FTC calls security keys the strongest method of two-factor authentication because they do not use credentials hackers can steal. A key can help protect compatible logins, but it will not identify who opened a fraudulent account, remove that account, or replace contacting the institution and filing reports.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What an unfamiliar account does—and does not—tell you
The FTC says that accounts in your name that you do not recognize could be a sign of identity theft. Treat one as a reason to investigate promptly, not as proof of who opened it or how it happened. Verify the account with the named company and check the relevant reports before drawing conclusions.
Quick Recap
Best Value
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- COMPACT DESIGN: Making this bifold superb for travel, and everyday use, keeping cards safe and organized! It holds 10+ cards, and lots of cash!
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Rank #4
- RFID Blocking Technology: This credit card holder is made of aluminum shells and ABS plastic, designed with RFID-blocking technology to help protect your credit, ID, debit, and driver's license cards from unauthorized scanning
- Slim Compact: Slim and compact design measures 4.3 x 3 x 0.86 inches, ideal for front pockets or purses
- Card Organizer: With 7 accordion-style slots, this wallet can hold up to 10 standard credit cards or over 20 business cards
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