Pull your credit report today before doing anything else
Synthetic identity fraud is invisible until you look at the credit file. The good news: pulling reports is free and takes 15 minutes per bureau.
If everything looks clean
You may have caught it before damage was done. Continue with the standard 3 protect steps to lock the file pre-emptively.
If you see anything unfamiliar
Stop and switch to the 'confirmed' track — same workflow as the steps shown after answering 'yes'.