Seven Signs of Identity Theft
Identity theft occurs when personal information such as your name, address, date of birth or contact details are stolen or accessed. It can often lead to identity fraud – when the stolen information is used in fraudulent activity to gain certain goods or services.
Identity thieves and fraudsters can run up a large debt in your name which can take time to prove that the debt is not yours. Additionally while the fraudulent account remains on your credit report, it can damage your credit score making it difficult to apply for a loan, mortgage, or credit card. In order to help prevent the effects of fraud it is useful to recognise when your identity could be being stolen. There are some signs to keep an eye out for that can indicate you are a victim of identity theft.
Missing Documents – Important personal documents, such as your passport or driver’s licence, carry a lot of personal information that could be valuable to identity thieves. If these are missing, someone may be using the information to take out credit or a loan.
Missing Mail – If you are expecting a bank or credit card statement and it doesn’t arrive, it could indicate that someone is intercepting your mail in order to obtain personal details.
Unrecognised Items – Check your bank statements regularly. If you don’t recognise an entry on your statement contact your bank or credit card provider.
Duplicated Benefit Claims – If you make an application for state benefits and are refused for the reason that you are already claiming, someone may be applying in your name and taking the money.
Solicitor’s Letters – Receiving letters from solicitors, bailiffs, or debt collectors for debts that are not yours, or receiving court summons, would indicate that someone is running up a debt in your name.
Surprise Delivery – If goods you didn’t pay for, such as a laptop, phone, or TV are delivered to your address, it could mean that someone is using your information to pay for goods and services, and simply failed to intercept the goods before they arrived.
Tampered Bins – If your rubbish or recycling bin has been noticeably tampered with, someone may have been searching for thrown away bills or receipts to steal information about you.
If you have been a victim of identity theft it is important to take action as quick as possible. It can help to contact Action Fraud to report the crime, as well as your bank, credit card company, and postal service. For more information on how to prevent identity theft, or to check your Equifax Credit Report & Score (which is free for the first 30 days then £7.95 monthly) for signs of fraudulent activity, visit Equifax.co.uk.
- What is money laundering?
- What is a Ponzi scheme?
- How to report identity theft
- How to protect older people from being scammed
- Using contactless mobile payments and apps
- Safeguard your personal data when using smart home assistants
- Safeguarding your family’s personal data on smart toys
- How your identity could be stolen offline
- Protect against ID theft when making mobile payments
- Online Fraud Terminology
- What is anonymous browsing?
- Distributed Denial of Service explained
- How secure is your email?
- Identity theft and fraud explained
- Financial fraud explained
- Best practices for avoiding identity theft
- Stay safe online: Creating a secure password
- Scam avoidance: A few ways to help stay secure
- 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
- 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
- How to avoid contactless card fraud
- What Are Data Breaches?
- How to Spot a Phishing Email
- ID Fraud Overview
- How Financial Crimes Are Hidden in The Dark Web
- How much do you know about the Dark Web?
- Are you losing your identity?