What to Do if Your Phone is Stolen or Lost: 10 Steps to Protect Your Identity

Losing your phone or having it stolen can feel like a nightmare, especially when you consider the treasure trove of personal information stored on your device. From banking apps and email accounts to social media profiles and payment methods, smartphones contain virtually our entire digital lives. When a criminal or pickpocket gains access to your phone, they potentially have the keys to your identity, finances, and online presence. However, acting quickly and methodically can help minimize the risks and protect you from identity theft and financial fraud.

The reality is sobering, criminals with access to your phone can make unauthorized purchases, hack into your accounts, and even steal your identity to open new credit lines in your name. But by following these nine critical steps immediately after discovering your phone is missing, you can significantly reduce the potential damage and protect your most sensitive information.

1. Try to Locate Your Phone Using Built-in Tracking

Before taking any drastic measures, start with the obvious: try calling your phone from another device. You might hear it ring nearby, or someone who found it might answer and be willing to return it. If this doesn’t work, turn to your phone’s built-in tracking capabilities.

For iPhone users, Apple’s Find My service allows you to see your device’s location on a map, play a sound to help locate it, and even view its last known location if the battery has died. Android users can access Google’s Find My Device with similar functionality. Both services can be accessed from any computer or other device by logging into your Apple or Google account. These tracking tools not only help you locate your phone but also provide remote control options that become crucial if recovery seems unlikely.

2. Lock Your Phone Remotely to Prevent Unauthorized Access

If you can’t physically retrieve your phone or suspect it’s in the wrong hands, immediately lock it remotely. This creates an additional barrier between a potential thief and your personal information, preventing access to your apps, messages, emails, and saved payment methods.

Both iPhone and Android devices offer remote locking capabilities through their respective tracking services. You can also set a custom message to display on the lock screen with your contact information, which could help if someone honest finds your phone and wants to return it. For iPhone users, this means accessing iCloud.com or using the Find My app on another Apple device, selecting your lost phone, and choosing “Mark as Lost.” Android users can visit android.com/find, select their device, and choose “Secure Device” to lock it and display a custom message.

3. File a Police Report for Documentation

While law enforcement may not actively search for your stolen phone, filing a police report creates an official record that can prove invaluable if you need to dispute fraudulent charges or deal with insurance claims. When you visit your local police department, bring as much information as possible about when and where your phone was lost or stolen.

Having your phone’s IMEI number (International Mobile Equipment Identity) or serial number available will strengthen your report. You can usually find these numbers in your phone’s settings, on the original packaging, or through your carrier’s account portal. This documentation becomes particularly important if criminals use your phone to commit further crimes or if you need to prove to financial institutions that fraudulent activity resulted from theft.

4. Contact Your Mobile Carrier Immediately

Your next call should be to your mobile carrier to suspend service on your stolen or lost device. This prevents unauthorized calls, texts, or data usage that could result in unexpected charges on your bill. More importantly, it helps protect your account from being hijacked or used to access two-factor authentication codes sent to your number.

Most major carriers can also blacklist your stolen device, making it much harder for thieves to use even if they manage to bypass the screen lock. When you contact your carrier, ask about temporary suspension options if you’re still hoping to recover your phone, or proceed with permanent cancellation if you’re ready to move to a replacement device. Many carriers also offer insurance programs that may help cover the cost of a replacement phone.

5. Secure All Connected Accounts

Even with remote locking enabled, sophisticated criminals may find ways to access your stored information. This makes securing your online accounts one of the most critical steps in protecting yourself from identity theft. Your phone likely has saved passwords, active app sessions, and stored payment information that could be exploited.

Start by changing passwords for your most sensitive accounts, particularly email, banking, and financial services. Focus on creating strong, unique passwords that would be difficult for criminals to guess. McAfee’s Password Manager can secure your accounts by generating and storing complex passwords and auto-filling your info for faster logins across devices. Next, remotely sign out of all apps and services that were logged in on your stolen device. Most major platforms, including Google, Apple, Microsoft, and social media sites, offer account security settings where you can view active sessions and log out of all devices remotely. This step is crucial because it prevents thieves from accessing your accounts even if they bypass your phone’s lock screen.

Consider this an opportunity to enable two-factor authentication on accounts that support it, adding an extra layer of security for the future. While you’re at it, monitor your online and financial accounts closely for any suspicious activity, unauthorized transactions, or login attempts from unfamiliar locations.

6. Remove Stored Payment Methods from Mobile Apps

Your stolen phone likely contains mobile payment apps like Apple Pay, Google Pay, or individual retailer apps with stored credit card information. Criminals can potentially use these payment methods to make unauthorized purchases, so removing them quickly is essential for protecting your finances.

For Apple Pay users, marking your device as lost through Find My iPhone will automatically suspend Apple Pay on that device. Alternatively, you can manually remove payment methods by signing into your Apple ID account at appleid.apple.com, selecting your lost device, and choosing to remove all cards. Google Pay users should visit payments.google.com, navigate to payment methods, and remove any cards linked to the compromised device.

Don’t stop there – contact your bank or credit card issuer directly to alert them about the potential for fraud. They can freeze or cancel the cards linked to your mobile payment apps and monitor for any suspicious transactions. Review your recent statements carefully and report any charges that weren’t made by you. Most financial institutions have straightforward fraud dispute processes and will work quickly to resolve unauthorized transactions.

7. Erase Your Phone’s Data Remotely

When all hope of recovering your phone is lost, remote data erasure becomes your final line of defense against identity theft. This nuclear option wipes all stored data, settings, media, and personal information from your device, ensuring that criminals can’t access your photos, contacts, passwords, financial information, or any other sensitive data.

Both iPhone and Android devices offer comprehensive remote wipe capabilities through their respective tracking services. For iPhone users, this means accessing Find My and selecting “Erase iPhone,” which will restore the device to factory settings and remove all personal information. Android users can accomplish the same thing through Find My Device by selecting “Erase Device.”

Keep in mind that once you erase your phone remotely, you’ll lose the ability to track it further, so make sure you’ve exhausted all other options first. However, the peace of mind that comes from knowing your personal information can’t be accessed often outweighs the slim chance of recovery.

8. Alert Your Contacts About Potential Scams

Criminals with access to your phone may attempt to exploit your personal relationships by impersonating you in messages or calls to your contacts. They might send urgent requests for money, ask for sensitive information, or attempt to trick your friends and family into various scams using your trusted identity.

Reach out to your closest contacts through alternative communication methods to warn them that your phone has been compromised. Let them know to be suspicious of any unusual requests coming from your number and to verify your identity through a different channel if they receive anything questionable. This proactive step can prevent your loved ones from becoming secondary victims of the crime.

9. Plan Your Replacement Device

Once you’ve accepted that your phone is truly gone, it’s time to focus on getting back online securely. Check with your mobile carrier about replacement options, as some plans include insurance coverage that can significantly reduce the cost of a new device. Even if you don’t have insurance, carriers often offer payment plans for replacement phones.

When you get your new device, you’ll be able to restore your data from cloud backups like iCloud or Google Drive. This is why maintaining regular automatic backups is so important – they ensure you don’t lose photos, contacts, app data, and other important information permanently. During the setup process, take the opportunity to review and strengthen your security settings based on what you’ve learned from this experience.

10. How McAfee Can Help Protect Against Identity Theft

The theft of your phone represents just one potential pathway to identity theft, but it’s often one of the most impactful because of how much personal information our devices contain. While following the steps above can help minimize immediate damage, comprehensive protection requires ongoing vigilance and professional monitoring services.

McAfee’s Identity Protection offers multiple layers of defense that can alert you to potential identity theft before it becomes a major problem. Through comprehensive identity monitoring, McAfee identifies your personal information across the dark web and various databases, providing early warnings when your data appears in places it shouldn’t. This includes monitoring of social security numbers, government IDs, credit card numbers, bank account details, email addresses, and phone numbers – often alerting users up to 10 months earlier than similar services.

The credit monitoring component keeps watch over changes to your credit score, reports, and accounts, sending timely notifications when new accounts are opened, credit inquiries are made, or suspicious activity is detected. This early warning system can help you catch identity thieves before they cause significant financial damage. Perhaps most importantly, if you do become a victim of identity theft in the U.S., McAfee provides up to $2 million in identity theft coverage and restoration support for select McAfee+ plans.

Prevention Strategies for the Future

While no one plans to have their phone stolen, taking preventive measures can significantly reduce the potential impact if it happens to you. Enable device tracking features like Find My or Find My Device before you need them, and make sure you know how to access these services from other devices. Use a strong passcode or biometric authentication that would be difficult for thieves to guess or bypass quickly.

Consider adding a PIN to your SIM card to prevent thieves from removing it and using it in another device. Maintain regular automatic backups to cloud services so you won’t lose important data permanently if your phone disappears. Most importantly, review and limit the amount of sensitive information you store directly on your device and consider using additional authentication methods for your most critical accounts.

Record your phone’s IMEI number and serial number in a safe place where you can access them if needed for police reports or insurance claims. These small preparatory steps can save significant time and stress if the worst happens.

The Bigger Picture: Comprehensive Digital Protection

Phone theft is just one of many ways criminals can gain access to your personal information and identity. In our interconnected digital world, comprehensive protection requires a multi-layered approach that goes beyond device security. Data breaches at major companies, phishing attacks, social engineering scams, and various online threats all pose risks to your identity and financial well-being.

This is where integrated protection services like McAfee+ become invaluable. Rather than trying to manage multiple security concerns separately, comprehensive identity and device protection provides peace of mind through continuous monitoring, early warning systems, and professional restoration support when things go wrong. The goal isn’t just to react to problems after they occur, but to prevent them from happening in the first place and to minimize their impact when prevention isn’t enough.

Having your phone stolen is stressful enough without worrying about the long-term consequences for your identity and finances. By following these nine essential steps quickly and methodically, you can significantly reduce the potential damage and protect yourself from becoming a victim of identity theft. Remember, the key is acting fast – every minute counts when it comes to protecting your digital life from criminals who might have gained access to your most personal information.