Tag Archives: identity fraud

Identity Fraud hits record levels

To help you spot ID Fraud, we now offer Identity Fraud Monitoring for FREEAnyone can be a victim of identity fraud, whatever your age and status – and as identity fraud reached record levels in 2016, the young are the highest-growing target.

New statistics from fraud prevention organisation CIFAS has found that the overall number of recorded cases of Identity Fraud in the UK in 2016 were almost 173,000, an all-time high level and a 59% increase on the figures just three years earlier.

What’s more, almost 25,000 victims of fraud were aged under 30, and the number of under-21s affected was up by a third.

Did you know that almost nine out of ten (88%) identity frauds are now committed online? With so much personal data on the internet, we are all potentially vulnerable to hacking or phishing.  Your full name, date of birth, current address and national insurance number, and the passwords and PINs to your bank accounts are among the things fraudsters are hoping to get hold of.

Find out more about how Experian can help protect you from Identity Fraud here

Once identity fraudsters have enough of your personal details, they can apply for credit in your name and run up debts without you knowing. In fact, you’re 17 times more likely to suffer a case of fraud than a robbery.*

Continue reading

How you could avoid Identity Fraud

Scary Monster Halloween Hands Use Laptop Computer with Blank ScrOnce online identity fraudsters have enough of your personal details, they can apply for credit in your name and run up debts without you knowing.

The number of victims of fraud has increased by 63% over the last 5 years, based on cases dealt with by the Experian Victims of Fraud team. In fact, 7% people of UK adults say their personal details have been used to commit fraud.*

What you can do if you suspect identity fraud
A first step is to contact Action Fraud – the UK’s national fraud and internet crime reporting centre, then inform a credit reference agency, such as Experian, as they hold your credit report.

If you are concerned that one or other of your online accounts has been compromised, then it is worth changing your password(s) to a new one as soon as you are able, and try not to use the same passwords for different accounts, especially those with financial information.

Continue reading

I keep getting mail for someone who doesn’t live at my address

By Neil Stone, Social Media Executive

man receives bad news in the post.Post in other people’s names
It’s great to come home and find letters waiting for you on your doorstep but when the letters turn out to be for a previous resident or even someone that has never lived at your address it can be frustrating. If it’s a demand for payment it can also be understandably worrying.

The good news is that as long as you have no financial connection to the individual (such as joint account) then their information will not affect your credit report in anyway.

This is because all credit checks are done by name, and not address, so lenders won’t see or use information relating to the other person when checking your report.

The best thing to do is to return the letter unopened to the sender clearly marked as “not at this address”. The lender should then look for their customer elsewhere.

Sadly we can’t prevent a person from using an address to apply for credit, or stop lenders from contacting their customers at an address, but by regularly returning the post the lender will stop trying to contact them. Continue reading

Digitally-savvy users most likely to be victims of fraud

Credit Card Security ConceptYou might think that a deep knowledge of all things techie might help protect people against identity theft, but according to new research from Experian* tech-savvy consumers are much more likely to be victims of ID fraud compared to other, less technologically-literate users. 

The study found that the most digitally-savvy group – the most prolific users of mobile and social technology – made up almost a quarter (23 per cent) of all ID fraud victims in 2015. This group also saw the biggest increase in ID theft over the past year, rising by 16.7 per cent over the previous 12 months.

Continue reading

Stay safe from identity theft at the summer festivals

rock-festivals-300It’s Glastonbury 2016 this weekend, probably the most well-known of the many summer festivals full of revelry, music and (hopefully) sunshine.

From black-clad teenagers to an family taking a ‘different’ holiday, they all want to get away from it all and stop worrying about the daily grind.

However, if you are going to this or other summer festivals, it’s worth remembering that fraudsters like to strike while your guard might be down – so it pays to remember some tips to keep your identity safe while you rave.

Continue reading

How your credit report can help fight against identity fraud

You may not realise it but your credit report can be a powerful tool in the fight against Identity fraud.  (guest post by Neil Stone, Experian UK Social Support team)

Fraud in the UK  
Last year alone Experian helped 14428 people who were victims of identity fraud up by 15% on those we helped in 2014.  The number of people our Victims of Fraud team has helped has increased every year since it was set up 10 years ago*.

While the majority of people that we helped last year were male, aged between 30-40 and living in the South-East, we found that fraud occurred across all age ranges, genders and all in areas of the country. So we all need to be aware of how we can protect ourselves against fraud.


Chris talks about Experian’s customer services and how they resolved the fraud against him, and the great service he received.

Continue reading

What is identity theft?

Identity theft means that once criminals have enough of your personal details, they can apply for credit in your name and run up debts without you knowing.

Identity theft can include:

  • Fraudsters gaining access to your full name, date of birth, current address and national insurance number, and the passwords and PINs to your bank accounts .
  • Fraudsters setting up fake websites to get you to type in your digital banking password, which then gives them access to your accounts.
  •  ‘Phishing’ emails pretending to be from your bank can also lead to your details being stolen.
  • Social networking sites such as Facebook accessed by fraudsters who ‘mine’ your postings for information
  • Criminals can also use the telephone – calling you at home or on your mobile, pretending to be a bank or a credit card firm and asking you to confirm your account details.

Continue reading

How to keep your ID safe when you’re on holiday

Do you try and protect yourself from the sun when you’re away?  Similar steps can help protect you and your family from identity theft.


Check out our video with guest Michelle Highman , Chief Executive of The Money Charity

It’s best not to carry things with you that you don’t need, as handbags and wallets often contain lots of items containing information that can identify you personally that you just won’t need on holidays.  Fraudsters just love these! Some examples are bills, receipts, out-of-date driving licences and medical prescriptions.  Continue reading