Recovering From Identity Theft

Recovering From Identity Theft
Here are the steps to take if you were a victim of identity theft.
Contact the major credit bureaus to dispute fraudulent inquiries and freeze your credit.

Once you have confirmed that you were a victim of identity theft, freeze your credit by contacting the three major credit bureaus. Make sure to inquire about the activity on your profile and dispute any fraudulent transactions. You can reach out to the bureaus using the contact information below:

Contact other creditors.

Contact other creditors, including credit card and phone companies, banks and other lenders, to notify them of potential fraud or identity theft. Each creditor may have a different process for handling a fraud claim. Make sure you understand exactly what is expected from you, and then ask what you can expect from the creditor. At the conclusion of an investigation, ask the creditor for a document that states you are not responsible for any unauthorized transactions. 

Close any accounts that have been breached and reopen them with new account numbers. Also, change your username and password associated with the compromised account and any other account that uses the same username and password.

File a report with the local police.

Fill out a police report that details what happened and get a copy for future reference.

Report the criminal activity to the Federal Trade Commission (FTC).

Call toll-free 877-IDTHEFT, or (877) 438-4338, or visit

Contact other agencies as appropriate.

If you suspect someone is using your Social Security number for fraudulent purposes, call the Social Security Fraud Hotline at (800) 269-0271.

If you were a victim of unemployment fraud, be sure to reach out to your state’s Department of Labor to dispute the claim.

Contact First Republic.

If you notice suspicious activity related to your First Republic accounts, please contact your banking team or our Client Care Center immediately at (888) 408-0288.

First Republic also offers clients Identity Protection Consultations in which you can learn tips for securing your identity. To schedule a consultation, please reach out to your banking team.

Follow other security best practices.

  • Shred or securely dispose of any physical documents containing personal information.
  • Limit sharing your Social Security number when possible — especially online or over the phone.
  • Use complex and unique usernames and passwords for each of your online accounts — especially your email. Do not use personal information in your usernames or passwords, like a birthday or Social Security number. 
  • Make sure you are always using a secure internet connection. Refrain from using public Wi-Fi networks.
  • Secure your home Wi-Fi network. Do not use default (or out-of-the-box) passwords.
  • Use two-factor authentication (2FA), also sometimes called multi-factor authentication (MFA), when offered.
  • Call your cellular phone provider and ask for additional security in the form of a verbal passcode to prevent a successful SIM swap / phone port using compromised identity information.