How To Detect Identity Fraud
If you suspect that you might have become a victim of identity fraud, there are several ways that you can check. You might have had your identity stolen if:
- You have lost or had stolen important documents such as your passport or driving licence
- You expected post that has not arrived or you are receiving no post at all
- You see entries on your personal credit file from organisations you have not dealt with
- Unidentified items have appeared on your bank statement or credit card
- You apply for a state benefit but are told you are already claiming
- You receive bills, invoices or receipts for goods or services you haven’t asked for
- You have been refused a financial service, such as a credit card or loan, despite having a good credit history
- A mobile phone contract has been set up in your name without your knowledge
- You have received letters from debt collectors for debts that aren’t yours
If any of these sound familiar, then it is important to act quickly to undo the damage caused to your credit report and to prevent the incident from having further effect on your life. It will also hopefully save other people from going through the same experience.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.