Monthly Archives: October 2014

How to avoid becoming a victim of online fraud

There are a number of things that you can do to protect yourself against online fraud.  Here, real-life victim of fraud Chris tells us his story, and Hannah from Experian explains how we were able to help him. She also explains what steps all of us can take to help protect ourselves from online fraud.

Continue reading

What’s your year end goal? Alan’s story

Experian are spending 100 days following the fortunes of three people with hopes of achieving their dreams this year. First we met singer-songwriter Emma Ballantine, now we’d like to introduce Alan O’Sullivan.

Alan gave up his job to pursue his lifelong dream of writing his first novel, and this is his story. I spoke to him to find out more about his 100 days challenge and what’s been the driving force behind it.

Continue reading

Keep your personal information safe online

Protect your personal information online

Protect your personal information online

While most of us are getting better at protecting our personal information online, the amount of illegally traded information online is going up and up.

An independent study commissioned by Experian has found that more than 110 million pieces of data have been bought and sold by criminals so far in 2014, an increase of 40% from last year alone and 300% on the total amount traded in 2012.*

Continue reading

Ways to protect yourself against ID fraud

Monitoring your credit report is a good way to protect yourself against ID fraud, as Kay from Experian explains below.

Experian Credit Expert can help you protect your personal information online. With our victims of fraud team, web monitoring and credit monitoring features, we can help you stay safe online.

5 ways to stay safe shopping online

We're all looking harder for value online

Shopping? Be careful where you click

We spend much of our lives online, but it’s important that this doesn’t give us a false sense of security when we go online to shop, as so many of us now do.

There are a number of simple things we can all do to help avoid becoming a victim to identity theft.

-       Be careful where you click – It’s best to use websites that you know and trust.  Always look for a security padlock icon in the top left hand corner of a page before you register financial or personal information on a website. If an online deal sounds too good to be true, it quite probably is.

Continue reading

How to keep your children safe online

Keep children safe online

Keep children safe online

The need for parents to talk to their children about internet safety is more important than ever, with so many children now well-versed in using tablets and smartphones.

In many cases, by the time they are teenagers they may know more about online apps, games, social media networks and downloads than you do – but they may not be savvy enough to know how to protect themselves from online threats.

So it’s vital to educate children in the skills needed to respond to online situations they may encounter such as cyberbullying, phishing and inappropriate content or communication.

Continue reading

How your credit card can affect your credit rating

Here are 4 ways your credit report can show how good management of your credit card could help improve your credit rating:

 

  1. credit-score-report-history-300x200Check out your credit report before you apply for new credit, as this can give you the best indication of whether or not you’d get accepted, and after that check your credit report on an on-going basis.
  2. Ensure that the information on your credit report is accurate, up-to-date, and reflects your present circumstances, as there may be some discrepancies. Should you find anything that isn’t right, then contact the relevant lenders to get it altered. Watch out too for unfamiliar or suspicious entries there that could indicate identity fraud, and financial associations which are no longer relevant. Continue reading

How will cancelled Wonga loans affect credit ratings?

Dear James,

Wonga has recently announced it is cancelling loans owed by a number of customers following a review of its lending criteria. Can you tell me what will happen to these people’s credit reports and when, and how this will affect their future credit ratings? Thanks.

Ben, Brighton

Continue reading