How long does it take to recover from identity theft?
By Allstate
Last updated: January 0001
Recovering from identity theft can be a time-consuming process. Exactly how long it takes depends on the type of identity theft that took place and how quickly it was discovered. The process of untangling identity theft can take days, month, or even years.
This is because each case of identity theft is unique, and the recovery timeline can depend on many factors. For example, a 2023 report from the Identity Theft Resource Center (ITRC) showed that 71% of consumers that reported identity misuse to them were able to resolve it within a month. However, the IRS’s processing of Identity Theft Victim Assistance (IDTVA) cases are averaging 506 days, in 2025.
That being said, there are three key factors that can help determine how long the path to recovery might take.
How was your personal data used?
A big part of recovering from identity theft is determining how the stolen data was used. Here are some critical questions to answer:
- Was an identity thief able to successfully open new accounts or take out a line of credit in your name? If so, how many? The more damage that's been done, the longer it may take to resolve the issue.
- Was your data used by the thief who took it, or has it been sold on the dark web? If your data was circulated on the dark web, it could be sold over and over again — and misused more than once. A good way to combat this is to enable dark web monitoring, like the one we offer.
- Did the identity thief use your personal information to get medical care? When thieves get medical care under your name, their medical conditions and history can become mixed in with yours, creating significant problems when you’re seeking treatment.
How long did the theft go undetected?
When identity theft is undetected for long periods of time, more damage can be done — which can make the correction process lengthy as well.
In many cases, identity thieves will continue to exploit a victim’s identity until they no longer can — and the longer the theft goes on, the harder it can be to untangle.
This is one of the reasons identity thieves often target children.
In addition to generally having clean credit, minors don’t usually apply for credit until they come of age, or when they’re ready to purchase a car, so the crime can stay under the radar for years.
Are you restoring your identity yourself?
If you suspect you’re a victim of identity theft, it is crucial that you take steps to correct the issue.
These steps may include reporting the crime to government officials, alerting the three credit bureaus as well as any companies or financial institutions where fraud may have occurred, and closing any fraudulent accounts as soon as possible.
The process can be time-consuming and difficult to navigate. Having an identity restoration plan can make a big difference in the time and effort it takes to restore your identity. By having a professional specialist helping you, it can potentially reduce that time frame and even cover things such as legal costs or lost wages.