If you encounter entries on your credit report from organisations you
do not know or items appear on your bank statements that you do not
recognise or did not purchase, then you may have been a victim of identity
If you are refused a loan despite having a good credit history, receive
bills for goods and services you did not purchase or receive letters
from debt collectors and solicitors threatening legal action, then you
may be a victim of identity fraud.
We recommend that you take the following steps in reporting identity
- Order your credit report from credit reference agencies. In fact
there are 3 big agencies , so an idea is to stagger them and order
you credit report every 4 month from a different company so you can
cross check things.
- Make sure to study you credit file in detail. Should you find irregularities
and entries relating to organisations you do not normally deal with,
we recommend that you contact them immediately.
- If you suspect that you may be a victim make sure to keep a record
of all your actions, including who you spoke to and when, and copies
of letters sent and received.
- If you have reason to believe you are a victim of identity fraud
which has involved the use of your credit or debit cards, online banking,
or cheques, then you should report this directly to the bank or financial
- It is their responsibility to undertaking further verification and
investigation, and if appropriate, reporting cases of criminal activity
directly to the police where they will be recorded and subsequent
investigation considered. This may differ however in Scotland.
- If the suspected id theft does not involved the use of plastic cards,
online banking or cheques then you should report the matter to the
relevant organisation and get their advice. You may be advised to
report it at your local police station.
- Another tell tale sign that id theft may have occurred is if you
are not receiving mail or expected items in the post. The royal Mail
has an investigations unit who are able to help and advise you should
you suspect mail theft or that a mail redirection has been fraudulently
set up on your address.
- Even if you have no firm reason to believe you have become a victim
of identity theft , you should always notify the police if your rubbish
has been tampered with, or if you have any other related concerns
- Consider registering with the CIFAS Protective Registration Service.
CIFAS is a fraud prevention service set up by the UK's consumer credit
industry with the aim of preventing financial crime.