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Most people don't know when their identity has been stolen, but there are warning signs you can look out for. If you keep these in mind, you'll spot any theft sooner, making it easier to deal with.

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Alert Capital One if you think you've been tricked by a phishing email that looks like it is from Capital One. Simply forward the email to

Disappearing Mail

Keep a note of when you usually expect to receive bank statements and utility bills. If you think some have gone missing, contact Royal Mail to make sure no one has set up a redirection without you knowing.

Refused Credit

If a lender refuses to give you credit, this could be a sign of identity theft. But it can also happen for other reasons, so ask the lender to tell you why they've refused you credit and which credit reference agency they searched. You can then check you credit file at the relevant Credit Reference Agency for further details.

Call Credit

Transactions you don't Recognise

Check your bank and credit card statements regularly. If you spot unfamiliar transactions, contact your bank or credit card provider straight away.

Requests for Personal Details

Beware of emails claiming to be from your bank or credit card provider asking for personal details such as passwords. Never give out these details.

Lost or Stolen Identity Documents

If documents such as passports or driving licences go missing, you need to be especially aware of the other warning signs listed here. Report the loss to the police and to the Identity and Passport Services or the Driver and Vehicle Licensing Agency (DVLA) as appropriate.

Police Warrants and County Court Judgements (CCJs)

In some cases of identity theft, you might receive a police warrant or county court judgement. If this happens, tell the police you're a victim of identity theft and they will advise you on what to do. If you are a Capital One customer with any of our products, you can contact us - even if the fraud is not on your Capital One account - and a dedicated advisor will help and support you through the process.

Recent Bereavement

Criminals apply for credit in the names of recently deceased people. If you're the executor of someone's estate, you can reduce the chance of this happening by removing details from mailing lists. You can do this by contacting these organisations:
The Bereavement Register
Deceased Preference Service
Mailing Preference Service