In the second quarter of 2017, 1631 loans were tried on someone else’s identity. Learn more about existing ways to protect yourself from swindling and do not be taken by surprise. Theft of a loan to someone else’s identity is still a common problem that can affect everyone. Failure to apply previously determined measures may lead to severe consequences. So what are the effective ways to protect against extortion of obligations on our data and how to check whether someone has already taken loans on us?
Theft of credit for stolen data is a common problem
According to the InfoDOK Report, in the second quarter of 2017, 1631 loans were tried on stolen identity, for a total of PLN 144 million. This time the provincial voivodship turned out to be the province Silesia, where data was attempted to steal PLN 25 million. However, the average amount of such crimes amounted to as much as 30 thousand. zł¹.
Interestingly, when comparing this data with the first quarter of 2017, we notice a downward trend, as the number of attempts decreased by 115. The lower result of thwarted attempts is not tantamount to a smaller amount, which was attempted to steal – it increased by as much as PLN 53.6 million.
Where to report the loss of your ID card?
The most common reason for extorting credit for someone’s data is to use someone else’s ID card. So if we lose our document or worse, it will be stolen from us, we should take certain actions immediately.
Above all, you must inform the police about this fact. As a confirmation, we should receive a written certificate of the theft of the document. The next step is to go to the nearest commune body. The institution will then issue us with a special certificate on the loss of the identity card, which will be valid until a new document is prepared. In this way, we can avoid the severe consequences of extorting a loan to our identity, for example falling into a spiral of debt.
How can I check if someone took out a loan for my data? – Retrodatabase report
There are also several ways to check if someone took out a loan for our data. One of them is to download a special Retrodatabase Report. We will find there detailed information on our credit history, we will see what data the financial institution sees about us and we will check whether information on repayments is transferred to Retrodatabase regularly. In addition, the Report will allow us to control who asked about our data and how many credits are assigned to us. Thanks to this, we can be sure that nobody will get a loan for our identity.
It should be noted that downloading the Retrodatabase Report is a paid solution. However, we can get the first free trial report. However, there will be no scoring or credit repayment history.
Retrodatabase Alert – effective protection against extortion
Another possibility of securing against imposing the obligation on our data is to use Retrodatabase Alerts. By using this solution, we will be immediately notified about an attempt to obtain a loan for our identity. Thanks to this we can avoid serious financial problems.
In addition, thanks to Alertom, we will easily be able to control the timely repayment of our loans. As soon as there are any delays in our loan or surety, we will be notified via SMS and e-mail. What is worth emphasizing, Alerts operate 24 hours a day, 7 days a week.
How to defend yourself against extortion of credit? – tools for borrowing
It is also very important to use the services of only reliable and proven financial institutions. By choosing to take out an online loan at an unknown company, you can steal our data, which we provide, by completing the online application.
Finding the best loan offers will help you rank reliable non-bank institutions. By using this tool we will be sure that the loan company whose offer we are interested in is reliable and tested. Thanks to this we will avoid unpleasant consequences with entrusting our data to a fictitious institution.