How To Protect a Family Member from Identity Theft
Practical steps to reduce the risk that a relative's personal details will be used to commit fraud in their name.
Last reviewed: 1 June 2026
Identity theft happens when someone uses another person's details — name, date of birth, address, or financial information — to apply for credit, access accounts, or commit other fraud. It can take months to untangle and causes real distress. Many of the most effective protections are simple habits that a family can build together.
Limit what personal information is shared publicly
Fraudsters piece together identity details from social media profiles, public records, and documents left lying around.
- Review privacy settings on all social media accounts together
- Avoid posting full birth dates, addresses, or phone numbers publicly
- Shred documents containing personal or financial details before disposal
- Check what is publicly visible on electoral roll and consider opting out of the edited register
Secure their accounts and devices
Strong account security limits what a fraudster can do even if they obtain some personal details.
- Use a unique, strong password for each important account — a password manager helps
- Enable two-factor authentication on email, banking, and shopping accounts
- Keep phone and computer software updated
- Set a PIN or passphrase lock on all devices
Monitor for warning signs
Early detection limits the damage — checking for unfamiliar activity regularly is one of the most valuable habits.
- Review bank and credit card statements monthly
- Check their credit report periodically for unfamiliar accounts or searches
- Watch for unexpected mail about credit products they did not apply for
- Be alert to bills or debt letters for accounts they do not recognise
Conversation script
“I wanted to go through a few quick things that can really help protect your identity — it is worth doing together.”
“The biggest thing is just making sure each important account has its own password. Would you like me to help set up a password manager?”
“If you ever get a letter about a credit product you do not recognise, please tell me straight away — we can look into it together.”
Frequently asked questions
What should we do if we think identity fraud has already happened?
Contact the bank or lender involved immediately, report it to the national fraud reporting service, and place a credit freeze while the matter is investigated.
Is it worth paying for an identity monitoring service?
Many of the same monitoring features are available free through credit reference agency accounts. Paid services can add convenience but are not essential for most people.