What to do if you're a victim of identity fraud
Becoming a victim of identity fraud can be emotionally upsetting. Fraudsters may steal money from your bank accounts and take out credit in your name. As well as damaging your finances, this can also hurt your Data Self – the version of you that’s made up of your credit history and other information – meaning you may find it difficult to borrow money in the future if the fraud is left unresolved.
You are probably feeling very overwhelmed, but it's important to take action quickly when you realise your identity's been stolen.
Contact your bank
- Immediately report any lost or stolen credit or debit cards to the organisations that issued them.
- Contact the relevant bank, credit card provider or other lenders (as well as any others you have accounts with) to tell them you've been the victim of identity fraud. They’ll investigate the issue and, in some instances, will contact the police on your behalf. Be prepared to provide proof of your identity and address.
- If a bank or lender contacts you about credit that you don't know anything about, tell them right away.
Report it to Action Fraud
- Report the fraud to Action Fraud – the UK's national fraud and internet crime reporting centre – and they will advise on steps to take and further organisations to contact.
As part of our CreditExpert subscription:
- Get important alerts by email or text message about certain changes to your Experian credit report that may indicate fraud.
- We help you protect your identity by scanning the internet for your personal details being published online.
- If you’re affected by fraud, a dedicated fraud expert will contact lenders for you and help get everything fixed on your Experian credit report.
Stay in control
- Contact Royal Mail if you think your post has been stolen or if a mail redirection has been set up for your address.
- Keep a record of all your calls, letters and emails about the fraud.
- Report all lost or stolen documents such as passports or driving licences to the issuing organisations.
- You can contact the Mailing Preference Service to have your name removed from any mailing lists – this service is free and will help stop marketing materials going to your old addresses.