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Ten hours. That’s the average time it took identity theft victims to clean up the mess in 2023, according to Javelin Strategy & Research — up from six hours the year before, and the out-of-pocket cost jumped 70% in the same stretch, to $202 per victim. Monitoring tells you something went wrong. It doesn’t make…
Probably yes, but not for the reason most people think. A credit freeze is free, and it’s the single best tool for stopping someone from opening a new credit card or loan in your name. It doesn’t touch the rest of identity theft — and that’s the part nobody explains clearly. What a Credit Freeze…
Usually yes, if the price is right and you understand what happens when you leave the job. Employer group rates typically run $5-15 a month, well under retail pricing for the same tier of coverage. But “cheaper” isn’t the same as “better,” and a few details decide whether it’s actually worth signing up for. What…
Probably not on its own, and almost certainly not if you’re picturing it as insurance against losing money. Identity theft insurance doesn’t refund stolen funds in the vast majority of cases — it pays for the cleanup afterward. Whether that’s worth paying for depends on things most people never actually check before buying a policy….
Tax identity theft happens when someone files a federal tax return using your Social Security number before you do — and collects your refund before you even know a return went out. It’s not rare, and it’s not slowing down. The IRS’s own fraud filters flagged 1.3 million returns worth $9.9 billion in the 2026…
Credit card fraud, not some exotic new scam, is still the single most reported form of identity theft in the country — and it isn’t close. The FTC’s Consumer Sentinel Network logged 1,135,291 identity theft reports in 2024, and nearly 40% of them involved a credit card. Here are the five types that made up…
Identity theft gets measured in dollars almost by default — the FTC’s own numbers, the credit card charges, the drained bank account. But a lot of the real damage never shows up on a balance sheet. A woman in Atlanta lost no money at all when her sister used her identity during a traffic stop…
A Ballston woman is facing a felony charge after the Saratoga County Sheriff’s Office says she used someone else’s stolen debit card to go on a shopping spree. Here’s what’s actually being alleged, what the charge means under New York law, and what happens next. Quick Facts Defendant Tracy A. Fox, 32, of Ballston, NY…
A Missouri man bought a Camaro, a Corvette, a Hellcat, a Cherokee, and a Durango in less than a year — using five different people’s stolen identities to do it. On September 15, 2026, a federal judge sentenced Michael Calvin, 45, to 51 months in prison and ordered him to pay $193,000 in restitution. Here’s…