Question 1

Does a credit freeze hurt my credit score?

Accepted Answer

No. A freeze doesn’t affect your score, and you can still use your existing cards and accounts.

Question 2

Should I pay for an identity protection service?

Accepted Answer

You can do the most important steps yourself for free: freezes, free reports and IdentityTheft.gov.

Question 3

What is the difference between a credit freeze and a fraud alert?

Accepted Answer

A freeze blocks new credit from being opened until you lift it. A fraud alert tells lenders to verify it’s really you before opening credit. Both are free.

Question 4

Do I need a police report for identity theft?

Accepted Answer

Not always. Your report from IdentityTheft.gov works for many companies. Some still ask for a police report too.

Question 5

How do I know if someone is using my Social Security number?

Accepted Answer

Watch for accounts you don’t recognize on your credit reports, IRS letters about income you didn’t earn, or debt collectors calling about debts that aren’t yours.

Question 6

Will I have to pay the debts the thief ran up?

Accepted Answer

Usually not, once you report the fraud and dispute the accounts. Ask each company for a letter confirming you’re not responsible.

Question 7

How long does it take to recover from identity theft?

Accepted Answer

Simple cases can be cleared up in weeks; complex ones can take months. Keep a log of every call, letter and date.

Question 8

Should I lift my credit freeze to apply for a loan?

Accepted Answer

Yes, temporarily. You can lift it for a set time at the bureau the lender uses, then it freezes again.

Common questions: Identity theft