Ghosting: The Hidden Threat of Identity Theft

Ghosting in identity theft involves criminals secretly using another person’s personal information to open financial accounts, obtain loans or credit cards, make purchases, or access medical services, often leaving victims unaware until they face debt, damaged credit, unexpected bills, or altered health records. The practice can take credit, financial, or medical forms and commonly results from phishing scams, data breaches, and stolen physical documents. Suggested precautions include monitoring bank and credit activity, using strong passwords and two-factor authentication, securely destroying sensitive documents, and considering identity-monitoring services. Victims are advised to notify affected financial institutions, file a police report, and place a fraud alert with credit bureaus to help limit further misuse.

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