Your phone number is more important than you might think. It’s often used to verify your identity when logging into accounts, especially for banking, email, and social media. That’s why scammers are increasingly targeting it through a tactic known as a “SIM swap” scam.

In this type of scam, a criminal contacts your mobile carrier and pretends to be you. Using bits of personal information—sometimes gathered from social media or data breaches—they convince the carrier to transfer your phone number to a new SIM card they control. Once that happens, your phone loses service, and the scammer gains access to calls and text messages meant for you.

This is especially dangerous because many accounts use text messages to send login codes. With control of your number, scammers can reset passwords and take over accounts quickly.

One of the first warning signs is suddenly losing phone service for no clear reason. If this happens, contact your mobile provider immediately.

To protect yourself, consider adding a PIN or password to your mobile account. Avoid sharing personal details publicly online, and use authentication apps instead of text messages when possible for added security.

SIM swap scams can happen quickly, but taking a few preventative steps can make you a much harder target—and help keep your accounts safely in your control.