Identity theft is when someone uses your personal information — your Social Security number, account numbers, or other details — without your permission. If it happens to you, acting quickly limits the damage.

Step-by-step recovery:

  1. Secure your RMO accounts. Change your MyRMO password, enable two-factor authentication, and contact RMO to flag affected accounts and reissue any compromised cards.
  2. Report it at IdentityTheft.gov. This is the Federal Trade Commission's official identity-theft site. It walks you through reporting the theft and generates a personalized recovery plan and an Identity Theft Report.
  3. Place a fraud alert or credit freeze with the three credit bureaus to stop new accounts from being opened in your name. See credit freeze vs. fraud alert.
  4. Review your credit reports for accounts you did not open. See how to get a free copy, and dispute anything fraudulent.
  5. File a police report if needed — some creditors require one to remove fraudulent charges.
  6. Document everything — dates, names, and reference numbers for every call and letter.

Going forward: monitor your statements and set up account alerts in MyRMO. RMO has fraud protections in place and will work with you on any unauthorized activity on your RMO accounts.