
Your identity is valuable. If your identity is stolen, you can lose money and may find it difficult to get loans, credit cards or a mortgage. Your name, address and date of birth provide enough information to create another ‘you’. An identity thief can use a number of methods to find out your personal information and can then use it to open bank accounts, take out credit cards and apply for state benefits in your name.
What signs should I look out for that may mean I’m at risk?
· You have lost or have had important documents stolen.
· Mail from your bank or utility provider doesn’t arrive.
· Items that you don’t recognise appear on your bank or credit card statement.
· You apply for state benefits but are told you are already claiming.
· You receive bills or receipts for goods or services you haven’t asked for.
· You are refused financial services, credit cards or a loan, despite a good credit rating.
· You receive letters in your name about debts that aren’t yours.
How do I reduce the risk of identity theft?
· Store any documents carrying personal information in a safe and secure place.
· Shred or destroy old documents showing your name, address or other personal details.
· Monitor your credit report and your credit card and bank statements for suspicious activity.
· When you move house, change your address with every organisation who sends You post - you don’t want the new tenants to have access to letters containing your personal information. You can also redirect your mail by contacting Royal Mail.
· Limit the information you give away about yourself
· Think before you buy online – use a secure website which displays the company’s contact details, look for a golden padlock symbol and a clear privacy and returns policy. Check the web address begins with https.
What can I do if I'm a victim of identity theft?
If you think you are a victim identity theft or fraud, act quickly to ensure you are not liable for any financial losses.
· Report all lost or stolen documents, such as passports, driving licences, credit cards and cheque books to the organisation that issued them.
· Inform your bank or credit card company of any unusual transactions.
· Request a copy of your credit file to check for any suspicious credit applications.
· Report the theft of personal documents and suspicious credit applications to the police and ask for a crime reference number.
· Contact CIFAS (the UK’s Fraud Prevention Service) to apply for protective registration.
· You can also get more advice from Action Fraud or the Financial Ombudsman Service
This advice is taken from one of our trusted resources, the Information Commissioner’s Office website. PWCAC takes seriously its responsibility to keep clients’ data secure.
We are OPEN for face-to-face advice (appointments and drop-ins) Monday to Friday, 9:30 – 1:30. If you need advice about welfare benefits, housing and homelessness, debt, relationship breakdown, consumer issues or anything else, get in touch: info@pwadvice.org | 01892 838619 94 Commercial Road, Paddock Wood, TN12 6DP
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