Unexpected charges or withdrawals on bank, credit card, or loan accounts
Bills, collection notices, or statements for accounts you did not open
Missing mail or changes to your mailing address you did not request
Denial of credit, loans, or benefits you expected to receive
Password reset emails, login alerts, or account activity you do not recognize
New accounts, inquiries, or hard checks on your credit report that you did not authorize
Calls or notices from debt collectors about unfamiliar debts
Tax return rejection or IRS notices about a return already filed in your name
Medical bills, insurance claims, or treatment records you do not recognize
Employer or payroll notices about changes to your direct deposit or personal information
Government benefits or unemployment claims filed in your name
Suspicious messages from friends or contacts asking about strange requests from you
Unfamiliar devices, locations, or sign-ins on your online accounts
Lost or stolen wallet, ID, passport, or documents containing personal information
Your Social Security number, account numbers, or other personal data exposed in a breach
Credit score drops without a clear reason
Notifications that your phone number, email, or recovery details were changed
Accounts being locked, frozen, or closed unexpectedly
Evidence that someone is using your name, address, or date of birth on applications
Unexplained changes to your credit report, address history, or public records
Strange medical appointments, prescriptions, or insurance explanations of benefits
Notices from the DMV, voter office, or other agencies about activity you did not start