Identity Fraud: How They Could Try to Access Your Information
Identity fraud is when personal details that have been accessed or stolen are used to commit - fraudulent acts.
Identity theft and fraud can have a number of consequences – it can cause a negative impact on your credit score or it may result in you being investigated for criminal activity if someone is committing crimes in your name. Therefore, it is important to know the ways by which you could become a victim of ID fraud. Learn more about some of the common ways a criminal might attempt to steal and use your identity.
Debit or Credit Cards
Debit and credit cards can be used to make purchases online or over the phone (sometimes without needing a PIN), which can make them popular targets amongst ID fraudsters.
Skimming ATMs has been a common method of obtaining credit or debit card information. It can involve implanting a device into an ATM that reads and lifts information from the magnetic strip on the back of a card. Mounted objects on or near the ATM, pieces of plastic or metal that don’t match the ATM’s original colour, or a protruding keypad could be indicators that the ATM has been tampered with, however it can be impossible to know for sure, and it is always recommended to always shield your pin.
Bank or Credit Card Statements and Other Mail
Bank and credit card statements usually contain your name, address, and details about your account that can be used by identity thieves to commit fraudulent acts, while any other mail you receive may also contain similar information. Fraudsters may forward your mail to another address sometimes known as a ‘collection address’, where they can intercept it and potentially steal any sensitive information.
Photographic identification, such as a driver’s licence, can be altered by criminals to create a new identity or assume an existing one. This may then be used to open new accounts and build up debt.
PINs and Passwords
A PIN or password can allow easy access into another person’s accounts, making them popular targets for identity thieves and criminals.
By creating fake web pages to trick people into entering their personal details, criminals can attempt to gain access to online bank accounts where they can conduct transactions and money transfers.
Criminals may also try to get personal information by pretending to represent a bank or another trustworthy institution, and asking you to verify details about yourself.
Phishing is a method that involves sending fake or fraudulent emails that an unsuspecting victim might open, believing it is from a trusted source (e.g. .gov.uk). The email may try to convince you to send personal details in a reply or it could release a virus that attempts to steal information from your computer.
Social Networking Profiles
Criminals may target your social network profiles to gain information they could use to guess your password, PIN, or answers to a security question.
CVs can contain information such as your name, address, employment history, and contact details, which can be used to open new accounts and gain access to old ones. Fraudsters may attempt employment scams to get your CV – these can involve setting up fake job vacancies to open a point of contact. Researching companies beforehand can help you determine if they are genuine, either by verifying their contact details, checking their website, or searching for the company on Companies House.
Identity theft and fraud can have a significant impact on your finances.
- Are smart gadgets putting you at risk of identity theft?
- Helping your children stay safe online
- Should you share your location on social media?
- Safeguard your personal information on video game consoles
- Would you do internet banking on your smart TV?
- How fraudsters use Wi-Fi hotspots to steal data
- How to avoid email fraud
- Preventing your child’s identity from being stolen
- Keeping your personal information secure when moving home
- Protect yourself from becoming a victim of SMS phishing
- Protect against identity theft when sharing photos online
- Safeguard your identity on mobile apps
- Your social media profile and identity theft
- What is credit card fraud – can you prevent it from happening to you?
- How fraudsters can hijack your browser
- Safeguard your identity on Facebook and other social media sites
- Going on holiday - keeping your identity safe
- How to prevent smartphone identity theft
- Shopping online – staying safe against identity theft
- Different types of financial fraud explained
- How to spot and avoid romance scams
- Facial recognition and identity risk
- Dealing with phishing phone scams
- How cyber attacks happen
- Safer Internet Day – protecting children online
- 7 Signs of Identity Theft
- How to avoid contactless card fraud
- What Are Data Breaches?
- How to Spot a Phishing Email
- Best Practices for Avoiding Identity Theft
- Identity Theft and Fraud explained
- Scam Avoidance: A few ways to help stay secure
- Stay Safe Online: Creating a Secure Password
- How Financial Crimes Are Hidden in The Dark Web
- How much do you know about the Dark Web?
- Are you losing your identity?