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Identity theft happens when someone takes your name and personal information (like your social security number) and uses it without your permission to do things like open new accounts, use your existing accounts, or obtain medical services.

Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance.

Identity theft is when someone tries to steal and use your personally identifiable information to defraud or harm you. This information, or 'data', is anything that helps to identify who you are or how to find you. Many businesses need your personally identifiable information for legitimate communication.

Warning signs of identity theft Bills for items you did not buy. Debt collection calls for accounts you did not open. Information on your credit report for accounts you did not open. Denials of loan applications.

Accounts opened in your name and without your permission. Your liability for fraudulent purchases made with your credit card is up to $50, if you tell the credit card company about the fraudulent charges within 60 days of when the company sends you the statement showing the fraudulent charges.

What does identity theft insurance not cover? It's important to note that these insurance policies typically don't cover stolen money or direct financial losses from fraudulent purchases and other unauthorized use of credit accounts. They typically reimburse you only for the costs of the reporting and recovery process.

Therefore to convict a defendant of identity theft under section 18-5-902(1)(a), the DA must prove that the defendant knew the personal identifying information, financial identifying information, or financial device he or she used was, in fact, the information or device of another.

Immediate Steps to Take You can file the report at the police station or file online. In Denver, you can file at .denvergov.org/policereport. You can also complete the ID Theft Affidavit provided by the Federal Trade Commission (FTC) at .ftc.gov.

In Colorado, the statute of limitations (or time limit) for prosecutors to file theft charges is three years for felony theft ($2,000 or more), 18 months for misdemeanor theft ($300 to less than $2,000), and six months for petty theft (less than $300).