October 2024 - Magazine - Page 39
Identity Theft
Your identity is valuable. If your identity is stolen, you can lose money and may
find it difficult to get loans, credit cards or a mortgage. Your name, address and
date of birth provide enough information to create another ‘you’. An identity thief
can use a number of methods to find out your personal information and can then
use it to open bank accounts, take out credit cards and apply for state benefits in
your name.
What signs should I look out for that may mean I’m at risk?
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You have lost or have had important documents stolen.
Mail from your bank or utility provider doesn’t arrive.
Items that you don’t recognise appear on your bank or credit card
statement.
You apply for state benefits but are told you are already claiming.
You receive bills or receipts for goods or services you haven’t asked for.
You are refused financial services, credit cards or a loan, despite a good
credit rating.
You receive letters in your name about debts that aren’t yours.
How do I reduce the risk of identity theft?
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Store any documents carrying personal information in a safe and secure
place.
Shred or destroy old documents showing your name, address or other
personal details.
Monitor your credit report and your credit card and bank statements for
suspicious activity.
When you move house, change your address with every organisation
who sends you post - you don’t want the new tenants to have access to
letters containing your personal information. You can also redirect your
mail by contacting Royal Mail.
Limit the information you give away about yourself
Think before you buy online – use a secure website which displays the
company’s contact details, look for a golden padlock symbol and a clear
privacy and returns policy. Check the web address begins with https.
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