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Identity theft checklist

Speed matters more than thoroughness at the start — freeze what can still be used against you, then work through the rest in order.

23 items

Makes your own editable copy. No account needed.

The items

  1. Bank and card providers called
  2. Cards frozen or cancelled
  3. Disputed transactions flagged
  4. New cards ordered
  5. Police report madeUseful as a reference for banks and other providers, even without an obvious next step for them.
  6. Credit reference agencies contacted
  7. Fraud alert or freeze placed on the file
  8. Credit file checked for anything unfamiliar
  9. Passwords changed
  10. Online banking
  11. The email account everything else resets through
  12. Anywhere card details are saved
  13. Two-factor authentication turned on wherever it wasn't already
  14. Existing accounts checked for unfamiliar activityEmail, banking and shopping accounts, not just the one first affected.
  15. Post checked or redirected, if mail theft is suspected
  16. Credit applications checked for anything you didn't apply for
  17. Relevant organisations told
  18. Employer, if work accounts are affected
  19. Mobile provider, if a SIM swap is suspected
  20. Any provider a fraudulent application went through
  21. Ongoing monitoring kept on for a whileCredit file alerts left running longer than feels necessary at first.
  22. Everything loggedDates, who was called, and every reference number, in case a later dispute needs them.
  23. Any joint account holders or family members told, in case shared accounts are affected too

Makes your own editable copy. No account needed.

Questions people ask

What's the first call to make?
The bank, to freeze or cancel affected cards straight away. The police report comes next, as the reference other organisations will likely ask for.
Do I actually need to report it to the police?
Yes — even without an obvious next step for them, the reference number is often what banks and other providers want to see before they'll act.
How long should I keep checking for fraudulent activity afterwards?
Longer than feels necessary at first — keep an eye on statements and your credit file for a while, since some fraudulent use surfaces well after the initial theft.