Get a new phone number

A new number can give you a fresh start, but it’s a big job, and it doesn’t fix every problem. Here’s when it’s worth it, how the big phone companies handle it, how to lock your number so a thief can’t steal it, and a checklist of who to tell.

When a new number helps, and when it doesn’t

Only you can decide if it’s worth the trouble. Things to think about:

It may help if:

It probably won’t fix things if:

Do these two things either way: put a PIN on your phone account and turn on your carrier’s free number lock (see below). The FCC says scammers can hijack your phone number to get the text codes your bank sends.

How to change your number

Before you start, the carriers suggest:

CarrierHowCost (from the carrier’s own page)Good to know
VerizonMy Verizon app or website, or call customer service.Free in the app or online. $15 if customer service does it for you.You pick the area code and the next three digits. The last four are assigned. Callers to your old number hear that it’s no longer in service. Calls aren’t forwarded.
AT&T (monthly plans)Online (Device options, then “Change phone number”), at an AT&T store, or by contacting AT&T.Free within 30 days of activating the line. After that, $36.Turn off Wireless Account Lock first. Voicemail messages don’t move over.
AT&T PrepaidContact AT&T to get a new prepaid number.A change fee of up to $25.Voicemail messages and call history don’t move over. Callers to the old number hear that it’s not a working number.
T-MobileT-Mobile app or account online, or contact T-Mobile.Free up to 2 times a year (no more than once a month).It can take up to 4 hours. Voicemail is deleted. T-Mobile says old numbers are held 45 to 90 days before they’re given to someone else.
Prepaid and smaller carriersCheck your carrier’s help pages or call the number on your bill.Varies. Ask before you agree.Many smaller carriers use one of the big networks, but they set their own rules and fees.

Fees and steps were checked on each carrier’s own page on Oct 18, 2026, and can change. Your carrier has the final word.

A second number instead? Some people keep their main number for family and banks, and use a separate number for stores, forms, and websites. Some carriers and apps offer a second number, some free and some paid. usaBob doesn’t recommend any particular one. Read the app’s privacy policy before you sign up.

Lock your number: SIM swap and port-out protection

In a SIM swap, a thief tricks your phone company into moving your number to a SIM card or phone they control. In a port-out scam, they move your number to a different company. The FCC says that once a thief has your number, they get your texts and calls and race to reset passwords on your bank and social media accounts. All three big carriers offer free protection:

Federal rules: in 2023, the FCC adopted rules that require wireless carriers to use secure ways to check a customer’s identity before moving a number to a new phone or company, to notify you right away about a SIM change or port-out request, and to offer customers a way to lock their account.

Also, from the FCC: turn on email and text alerts for your bank and other important accounts, and keep details like your birthday, pet’s name, and last four Social Security digits off social media.

If your phone suddenly loses service

The FCC says losing service, or a phone that only allows 911 calls, is often the first sign of a port-out scam. If it happens:

  1. Contact your phone company right away, from another phone or in a store.
  2. Contact your bank and other financial companies.
  3. File a police report.
  4. Place a fraud alert on your credit reports and get copies of your reports. Our identity theft guide walks you through it.
  5. Report it to the FCC and the FTC at IdentityTheft.gov.

Who to tell about your new number

Check them off as you go. Start with your bank and email, because many accounts send sign-in codes by text.

  • Banks, credit unions, and credit cards (sign in to each one and update your phone number, or call the number on the back of your card)
  • Two-step sign-in (text codes) on email, banking, shopping, and social media accounts. Add the new number before the old one stops working, if you can.
  • Government accounts: my Social Security, Medicare.gov, and your IRS Online Account (links below)
  • Doctors, pharmacy, dentist, and health insurance
  • Your employer, or the people who send your pension or benefits
  • Utilities, internet, phone, and insurance companies
  • Family, friends, neighbors, and your emergency contacts
  • School, church, clubs, and any caregivers
  • Delivery, ride, and shopping apps that text you
  • Any medical alert device or home security system that calls you

From usaBob.com. General information, not legal advice. Checked Oct 18, 2026.

Sign-in links for the government accounts: my Social Security, Medicare.gov, and IRS Online Account. Type these addresses yourself, or use the links here. Don’t use links in texts or emails.

Your old number

Sources

Last checked Oct 18, 2026.

  1. Verizon: Change mobile number FAQs: https://www.verizon.com/support/change-mobile-number-faqs/
  2. Verizon: Port out (Number Transfer PIN and Number Lock) FAQs: https://www.verizon.com/support/port-out-faqs/
  3. Verizon: SIM swapping and account security: https://www.verizon.com/about/account-security/sim-swapping
  4. Verizon: SIM Protection: https://www.verizon.com/support/knowledge-base-309293/
  5. AT&T: Change your wireless phone number: https://www.att.com/support/article/wireless/KM1011568/
  6. AT&T: Change your AT&T Prepaid number: https://www.att.com/support/article/wireless/KM1041477/
  7. AT&T: Wireless Account Lock: https://www.att.com/support/article/wireless/000102016/
  8. T-Mobile: Change your phone number: https://www.t-mobile.com/support/account/change-your-phone-number
  9. T-Mobile: Help with account fraud (SIM Protection, Port Out Protection): https://www.t-mobile.com/support/plans-features/help-with-t-mobile-account-fraud
  10. FCC: Port-Out Fraud Targets Your Private Accounts: https://www.fcc.gov/consumers/scam-alert/port-out-fraud-targets-your-private-accounts
  11. Federal Register: FCC rules, Protecting Consumers from SIM-Swap and Port-Out Fraud (2023): https://www.federalregister.gov/documents/2023/12/08/2023-26338/protecting-consumers-from-sim-swap-and-port-out-fraud
  12. FTC: SIM Swap Scams: How to Protect Yourself: https://consumer.ftc.gov/consumer-alerts/2019/10/sim-swap-scams-how-protect-yourself
  13. FCC: File a complaint: https://consumercomplaints.fcc.gov/
  14. FTC: IdentityTheft.gov: https://www.identitytheft.gov/

Rules and numbers change. If something here does not match what an agency tells you, trust the agency, and please let us know.