Life after a scam
Once you know the steps to take, you’ll be on your way to feeling more secure again.
Step 1: Secure your information
Update passwords and PINs
Consider updating login details for your important apps and accounts.
Including:
- Banking platforms
- Email accounts
- Social media accounts
- MyGov
- Websites where your payment information is stored
Create stronger passwords
Read these tips on creating stronger and safer passwords.
Check your credit report
You can order a free credit report to check for any unauthorised:
- Loan applications
- Credit card openings
- Credit enquiries
Note: Requesting your credit report does not affect your credit score. If you're asked to pay, it's likely a scam.
Step 2: Stay alert to follow-up scams
Scammers may try to re-target you with what's known as a follow-up scam.
These scams often involve impersonating trusted parties, promising recovery of lost funds, or requesting upfront payments.
What a Follow-up scam can look like:
- Someone pretending to be from your bank, a government agency, or a cybersecurity service.
- Offers to help you recover money (especially crypto) using “insider access” or “special contacts”
Remain cautious of any unexpected calls, emails, SMS’s, particularly if personal or financial details are requested.
Step 3: Managing the emotional aftermath
"Many scam victims experience a deep sense of shame and isolation. But it’s important to remember that scammers are professionals - this is not your fault,"
says Sarah Wells, a financial counsellor quoted on LifePathCounseling.com.
Common emotional responses
Shock and disbelief
It can be hard to accept you’ve been conned.Guilt and embarrassment
You might blame yourself, but scams are designed to fool people.Fear and anxiety
Worrying about future threats is normal, especially if personal details were stolen.- Loss of trust
- Lifeline (13 11 14) – Offers free, confidential crisis support.
- Beyond Blue (1300 22 4636) – Provides mental health advice and counselling.
- IDCARE Offers specialised support and guidance for identity theft and related scams.
You may become wary of any online or financial transactions. Options for complimentary emotional support:
Step 4: Rebuild your confidence
Scams can leave a lasting impact, but taking a few small steps can help you regain your lost confidence.
You might consider:
- Staying informed
Our Scam and Security Toolkit includes practical resources to support your awareness. - Improving your habits
Take our Security and Scam Quiz to see what you're doing well and where you could improve. - Talking it through
Speaking with someone you trust such as a friend, family member or colleague can make a big difference.
Your checklist after a scam
Here’s a quick rundown of steps to take after a scam, feel free to print or save this list:
- Check for unauthorised accounts or loans in your name.
- Report to Scamwatch, ACCC, and local police if money or identity is stolen.
- You may be targeted again by follow-up scams.
- Talk to a counsellor or call helplines like Lifeline.
- Monitor scam warnings on official government websites.
Moving forward
Life after a scam might feel uncertain, but remember: every step you take—reporting the incident, securing your accounts, and seeking emotional help—puts you back in control.
You are not at fault, and you do not need to face this alone. By staying informed and supported, you can protect yourself and help others in the community do the same.
Important: The information in this article is intended to be educational. If you need personalised advice, please consult a qualified professional.
