Passing your driving test gives everyone a real sense of achievement and is an essential life skill all of us need to have these days. After paying out for the driving lessons, licence fees and tests it is no wonder that you want to let friends and family know about your success. The quickest way to do this is by posting details on social networking sites, which is what many young drivers do after getting their full driving licence.
However, just a few weeks ago the DVLA were made aware of fraudsters, who have been creating fake driving licences and selling them, using personal details they have gleaned from genuine drivers who have posted information on line. It seems that often when someone has passed their test, they upload a photograph of their new drivers licence on social networking sites. This gives enough personal information for a fraudster to commit identity fraud, and would allow them to obtain loans, open up bank accounts, and obtain credit cards and goods, all under someone else’s name.
Identity fraud on the increase in the UK
Over four years ago in this country, up to a half a million people were the victim of identity fraud, with estimates due to reach one million by the year 2014. In August of this year, two out of three fraud crimes were identity frauds, where either someone’s account was hacked or the criminals used personal data to get new goods or services in another’s name.
Most of us are quite careful when it comes to monitoring and checking our accounts, bank statements and pay slips, but not as aware that regular monitoring of your credit rating could save you money, as well as a lot of heartache. A poor credit rating can exclude you from being able to open bank accounts, get certain employment, own your own property and exclude you from various offers or products and services.
Credit yourself with a little common sense
Your credit rating is the score that is based on your financial history, and most of the time we don’t even give it a thought. Your own credit score is updated on a regular basis, and if you checked it out as regularly, you could pick up on any fraudulent activity being carried out in your name. Also if you have had some problems in your past when dealing with finances, then you can also check to see when your credit rating has recovered.
ID fraud is the fastest growing crime, we are getting better at what we throw out in our rubbish bins and recycling, and we protect our homes from unwanted visitors, but we can still help ourselves by watching what we post online and keep monitoring our credit report.
For more information and help go to https://www.getsafeonline.org/protecting-yourself/safeguarding-identity/
We at iRateiSlate want to hear from you of any other online fraud or scam that has happened recently so get in touch!