What to do when it already happened, in the order that actually works.
Read this first. Almost everyone who arrives here has not been hacked. They have been frightened, or they have been scammed, which is a different problem with a different fix. Start with the two lists below and be honest about which side you are on — the wrong repair wastes a day you may need.
If you have been hacked, the order below matters more than the speed. People lose more by cleaning the device first than by taking twenty minutes to do it in sequence.
The difference is whether something is happening in your accounts, or only on your screen.
One of these is enough. Go to the phases below.
None of these means your device was entered. Run Bulkhead and get on with your day.
Six phases. Do them in order. The one people skip is the first one, and it is the only one that can't be done later.
Cleaning destroys the record — this is the only step that expires
Add your screenshots and documents. Each one gets a SHA-256 fingerprint and a timestamp. Nothing is uploaded — the files stay on your device and only the list is produced. Keep the exported list with the files, in the same folder.
Why a fingerprint: if the same file is ever produced again — for an insurer, a bank dispute, or a court — the fingerprint proves it is the same file, unchanged. If a single pixel changes, the fingerprint changes completely.
This file is yours, kept by you. It is not filed with a desk or an organisation, and this page does not send it anywhere.
Money and access — the two things that get worse by the minute
Email first — it is the master key that resets everything else
Only after the accounts are secured — this step wipes evidence
Different places do different jobs — they are not interchangeable
First, always, if any money moved
On a number from your card or statement.
They are the only party who can actually stop or recall a payment. Ask for a case reference and write it down.
Every time — money lost or not
The FTC's general fraud intake.
Feeds enforcement and is shared with law enforcement partners. It won't get an individual reply, and it does not produce the report creditors need — that is IdentityTheft.gov, below.
If personal details were taken or used
Social Security number, accounts opened in your name, tax or medical identity. Spanish: RobodeIdentidad.gov. By phone: 877-438-4338.
Produces an official FTC Identity Theft Report plus a personalised recovery plan and pre-filled letters. Creditors and credit bureaus generally require that report before they will remove fraudulent accounts. This is the single most useful document you can hold.
Any cyber-enabled crime, and always when money moved
The FBI's Internet Crime Complaint Center.
Two things to know before you start: IC3 does not accept attachments, so keep your evidence file yourself; and it does not email you a copy — save or print the report on the confirmation screen, because that is your only chance. Keep the reference number.
If personal details were taken
Place a fraud alert or a freeze. A fraud alert placed at one bureau must be passed to the other two; a freeze has to be placed at each one separately. Free reports at AnnualCreditReport.com.
A freeze is free and reversible, and it stops new accounts being opened in your name. Follow the specific links in your IdentityTheft.gov recovery plan rather than searching — search results for credit freezes are heavily gamed.
If codes stopped arriving, or your phone lost service unexpectedly
Ask for a port-out or number-transfer lock and a PIN on the account.
Losing service for no reason can mean your number was moved to someone else's SIM — after which every texted code goes to them.
If the message pretended to be a specific company
Apple: forward the email, or a screenshot of the text, to reportphishing@apple.com. Other providers publish their own address — find it on their real support site, not from the message.
Helps them take down the infrastructure. You will not usually get a reply.
For identity theft, or when an insurer or bank asks for a report number
Bring your FTC Identity Theft Report and your evidence list.
Some claims and disputes require a police report number. IC3 itself notes that investigation is at the discretion of the receiving agency, and advises contacting local law enforcement directly if the matter is time-sensitive.
Two things that keep it from happening twice