Your identity is extremely valuable. You need it to prove who you are
for various purposes in your day-to-day life
Philadelphia Eagles, such as opening a bank
account, obtaining a loan, getting a credit card, purchasing goods or
services, applying for a passport or driving licence, or claiming
benefits. If a criminal gets hold of your personal details, they can do
exactly the same things in your name without your knowledge. And it's
not rare for this to happen - the problem of identity theft is
increasing all the time and the Home Office estimates that it costs the
UK economy £1.7 billion a year.
Ways in which your identity might be stolen
You - your credit rating could be damaged and you might find it
difficult to obtain credit in the future. You will also have to prove
to the organisations demanding payment from you that you are not
responsible for them.
The government - the public purse suffers from billions of pounds
worth of fraudulent tax and benefit claims every year.
Financial organisations - the companies with whom your details have
been falsely used to obtain money may never be able to recover what was
stolen in your name.
Often people first find out about it when they are refused credit
because their credit rating has dropped.
You're not receiving any post at all, or key documents or letters
you have been expecting do not arrive.
You receive bills or invoices for goods that you didn't purchase.
There are some transactions on your bank account that you don't
recognise.
You have received solicitors letters or letters from debt
collectors that have nothing to do with you.
You apply for benefits and are told that you are already claiming.
You receive correspondence from a government agency demanding
repayment of benefits when you have never claimed anything in the first
place.
Who loses out?
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It's therefore extremely important to keep your personal information
safe. There are lots of things you can do to protect yourself from
identity fraud. This practical factsheet provides some useful tips and
information on how to do this.
What to do if your identity has been stolen
A house burglary in which personal documents are stolen.
Handbag or wallet theft.
Fraudulent internet or phone banking scams in which you
inadvertently give out personal details to fraudsters in the belief
that you are being contacted by a legitimate organisation such as your
own bank.
Post in your name being delivered to a previous address of yours
and used to commit fraud in your name.
Having your post stolen or redirected without your permission.
Internal systems fraud - for example
Jordan 9 Rings, payroll data from employees
of the Government Tax Credit Office was stolen in 2005 and their
details used to falsely claim benefits.
Criminals raking through your rubbish to find personal
information.
Don't throw anything containing your name and address and/or
other
personal details into the bin without shredding it first. This includes
bills, bank statements, benefits statements, receipts and even unwanted
post and junk mail.
Always let your bank and other organisations of which you are a
customer know when you move house.
Don't use your mother's maiden name as a security password
Check your credit rating with each of the three UK credit
agencies
at least once a year. (These are Experian, Equifax and Call Credit.)
Don't use the same password for all accounts.
If you're worried that someone else could easily intercept your
post, arrange to collect important items rather than have them posted
to you, e.g. credit cards or cheque books from your bank.
Cancel stolen credit cards immediately.
Contact the DVLA or the Passport Agency immediately if your
driving licence or passport have been stolen.
Don't give out your credit card numbers or other personal
information over the phone if people nearby could overhear.
Check your bank and other financial statements
regularly to check for suspicious transactions.
If you receive a phone call or email from what seems to be a
legitimate organisation requesting personal details, check it's genuine
before proceeding. The best approach is to take their phone number and
call them back. Banks will never ask you for your PIN or login details
for their banking system.
Ensure your computer is safe for making online transactions - get
anti-virus software and a good firewall for protection, and only ever
enter personal details onto secure sites (with the prefix https in the
address).
Contact the organisations with whom the fraud has been committed
to explain what has happened.
Inform the police.
Get in touch with the Royal Mail if you suspect your mail has
been intercepted.
Contact CIFAS, the UK's fraud protection agency, and register
with their protection service to help prevent future fraud.
Get credit reports from the three credit checking agencies to
identify exactly what has been done in your name.
How will you know when your identity has been stolen?
How to protect yourself against identity fraud
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