Identity Theft Resolutions: 5 Commitments to Keep Your Data Safe This Year

As we welcome a new year, many of us are setting goals to improve our lives—whether it’s focusing on health, finances, or personal growth. But have you considered resolutions to protect something just as valuable as your health or wealth? Your identity.

Identity theft is an ever-growing threat, and taking proactive steps to safeguard your personal information can save you from significant stress and financial loss. Here are five resolutions to help you protect your identity and ensure 2025 is a secure and successful year.

1. Monitor Your Accounts Regularly

Make it a habit to check your bank accounts, credit card statements, and investment accounts regularly. Look for unfamiliar transactions, even small ones, as they could be the first signs of fraud. Setting up alerts for transactions on your accounts can also help you catch issues in real time.

2. Review Your Credit Reports

Under federal law, you’re entitled to a free credit report every 12 months from each of the three major credit bureaus—Experian, Equifax, and TransUnion. Use these reports to check for inaccuracies or unauthorized accounts. Spotting a credit report error early could stop identity theft in its tracks. Pro tip: Stagger your requests throughout the year to keep tabs on your credit consistently.

3. Strengthen Your Online Security

Your digital presence is a prime target for identity thieves. Commit to:

• Using strong, unique passwords for each account (and a password manager to keep track of them).
• Enabling two-factor authentication wherever possible.
• Keeping your software and devices updated to protect against vulnerabilities.

Think of your online security as a digital fortress—small upgrades make a big difference.

4. Freeze Your Credit

If you’re not planning to apply for new credit soon, consider freezing your credit with the major bureaus. A credit freeze prevents lenders from accessing your credit report, which blocks identity thieves from opening accounts in your name. The process is simple, free, and easy to lift when you need it.

5. Know What to Do If the Worst Happens

Even the best precautions can’t guarantee 100% safety from identity theft. Make it a priority this year to educate yourself on the steps to take if your information is compromised:

• File a police report.
• Contact your bank or creditors immediately.
• Report the theft to the Federal Trade Commission (FTC) at IdentityTheft.gov.
• Consult an experienced identity theft attorney.

At McCarty Law, we specialize in helping victims of identity theft reclaim their lives. If the unexpected happens, you won’t have to face it alone.

Start the Year Strong

Identity theft prevention may not be the most exciting resolution, but it’s one of the most important investments you can make in your future. By following these five resolutions, you’ll protect your financial health, reduce stress, and gain peace of mind in 2025.

Need help securing your identity or addressing a credit report error? Contact McCarty Law today for expert guidance and support. Let us help you start the year with confidence.