Protect what's yours.
Identity theft strikes every 22 seconds. Fraud Ninja gives you the playbook to stop it — and recover fast if it happens.
Most common fraud types
Know the playbooks attackers run — so you spot them before they cost you.
Phishing & Smishing
Fake emails and texts trick victims into revealing credentials. The #1 delivery method for fraud.
Credit Card Fraud
Unauthorized card use via data breaches, skimmers, or account takeovers.
Account Takeover
Criminals access accounts with stolen credentials, SIM swapping, or social engineering.
Malware & Spyware
Keyloggers and data-stealing software installed via downloads, links, or USB devices.
Synthetic Identity
Real + fake info combined into new identities. Fastest-growing type, up 21% in 2024.
Tax & Gov't Fraud
Fraudulent returns or benefits claims using stolen SSNs. Peaks January–April yearly.
Catch it early.
The earlier you spot the signs, the less damage fraud can do. If even one of these feels familiar, treat it as urgent.
Six habits that stop most fraud.
Free, fast to set up, and dramatically harder for criminals to bypass.
Freeze Your Credit
Free at all 3 bureaus. Prevents new accounts from opening without your approval.
Use a Password Manager
Generate and store unique 16+ character passwords for every account.
Enable Multi-Factor Auth
Use an authenticator app (not SMS) on every account that supports it.
Monitor Credit Reports
Free weekly reports at AnnualCreditReport.com — check every account.
Use Virtual Card Numbers
Privacy.com generates single-use card numbers for every online purchase.
Shred Physical Documents
Anything with your name, address, SSN, or financial data goes through the shredder.
The 6-step recovery playbook.
If you become a victim, work through these in order. Don't skip steps.
Place a Fraud Alert
Contact one bureau (Equifax, Experian, TransUnion) — lasts 1 year, requires identity verification.
File an FTC Report
Visit IdentityTheft.gov for a personalized recovery plan and official fraud documentation.
File a Police Report
Useful when disputing with creditors. Bring FTC report + evidence. Request your copy.
Freeze Your Credit
Stronger than an alert. Freeze at all 3 bureaus plus NCTUE, Innovis, and ChexSystems.
Contact Affected Companies
Call fraud departments directly. Close/reopen accounts with new numbers. Follow up in writing.
Monitor & Document
Track every call — date and name. Review statements weekly. Consider an ID theft service.
Key resources, bookmarked.
Protect What's Yours.
Build Your Layered Defense Against Fraud
A 90-page field manual covering every threat, warning sign, prevention habit, and recovery step — with checklists, scripts to use on the phone with creditors, and templates for FTC and police reports.
- 30+ printable checklists & worksheets
- Phone scripts for banks, bureaus & creditors
- Family fraud-prevention plan template
- Lifetime updates as scams evolve
Smart, Simple Online Safety. Powered by AI.
Aura watches what you can't: 3-bureau credit monitoring, dark-web scanning, and a 24/7 U.S.-based fraud resolution team. Every adult member is covered by up to $1M in identity theft insurance. Try it free for 14 days.
Disclosure: Fraud Ninja partners with Aura. If you sign up through our link, we earn a commission at no extra cost to you.
Identity Guard
A trusted name in identity protection for decades. Credit and dark-web monitoring, real-time alerts, and up to $1M identity theft insurance for eligible losses. Annual plans come with a 60-day money-back guarantee.
Disclosure: Fraud Ninja partners with Identity Guard. If you sign up through our link, we earn a commission at no extra cost to you.
¹ Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. Policy terms and exclusions apply.
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