Is someone already using your identity? Check these 8 places

Identity theft can surface in places beyond bank accounts and credit reports, including phone, utility, medical and payment-plan accounts. Checking these less obvious records can help people spot misuse early and limit damage.

The article recommends reviewing eight areas: financial accounts and payment apps; credit reports and inquiries; buy-now-pay-later and retail accounts; phone and mobile-carrier accounts; utility services; medical records and benefits; government records and benefits; and public records or address changes. It advises checking for unfamiliar activity, contacting providers through official channels, setting alerts and considering free credit freezes with all three major credit bureaus.