Tag Archives: identity protection

Online identity fraud: what you need to know

locked-laptop-300What is it?  Once criminals have enough of your personal details, they can apply for credit in your name and run up debts without you knowing.

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 they are hoping to get hold of.

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No tickets? It’s not too late but be careful if you go online

Photo: Neal Whitehouse Piper on flickr https://www.flickr.com/photos/whiper/

Photo: Neal Whitehouse Piper on flickr

This week saw the last few tickets to Glastonbury 2015 go in an instant. And with many of the big summer festivals being long since sold out, being part of the big outdoor musical celebrations might seem a bit of a challenge.

Splashing out for the initial ticket price on release day can of course be tough, especially when there’s also the cost of travel, camping, food and drink to factor in come the event itself.

So how could you enjoy the revelry, the music and the sunshine, and stop worrying about the daily grind, even if you haven’t managed to buy a ticket?

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Are your passwords protecting you?

Are your passwords really protecting you? For the vast majority of account takeovers, the fraudster will need to have gained specific information about you, such as your online log in and password.

On average, Brits have 19 online accounts each, with an average of seven different passwords. However, one in 10 of us never changes their online passwords and one in 20 uses the same passwords for all of their online accounts, many of which are inactive (social networks (26%), email (18%), retail accounts (21%) yet still potentially accessible to fraudsters.*

Take a look at our tips below to make sure that your passwords are working to protect your ID.

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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.

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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.*

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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.

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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.

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Identity fraud: the costs

Identity fraud, or identity theft, could happen to any of us. That’s why keeping a close eye on our personal credit information is so important.
costs-of-identity-fraud

*source for figures: Stop ID Fraud consumer facts, and National Fraud Authority 2013 (page 10, Dec 2012 figures) 

If you think you have become a victim of identity fraud, notify Action Fraud, contact your bank and check your credit report. Your credit report can highlight irregularities such as suspect applications for credit and rises in card balances.

Experian’s Victims of Fraud service is also available free to fraud victims, and has a dedicated team to give expert advice and support tailored to particular circumstances.