Identity Theft
Should I be worried?
What is Identity Theft? Wikipedia refers to Identity theft as a term used to refer to Fraud that involves stealing money or getting other benefits by pretending to be someone else. The term is relatively new and is actually a misnomer, since it is not inherently possible to steal an identity, only to use it. This is not a new form of Fraud, it has actually been around for quite some time.
Warning signs to be on the lookout for include (list is not exhaustive):
- You receive letters from Solicitors or Debt Collectors for debts that aren't yours
- You receive bills or invoices for goods or services you haven't ordered
- You are refused a financial service (such as a Credit Card or a Loan) despite having a good credit history
- You are billed for a mobile phone contract (or similar) that has been set up in your name without your knowledge
Advice Again the following list is not exhaustive:
- Lock all valuable documents in a secure place
- Destroy unwanted documents (e.g. old Utility bills, Credit Card receipts etc.), preferably using a shredder
- Check bank statements as soon as they arrive. If any unfamiliar transactions are listed, contact your bank immediately
- Cancel lost or stolen Credit or Debit Cards immediately
- Inform all service providers promptly when moving address
- Set up a mail forwarding arrangement with An Post
- PIN, never release this to anyone. Your Bank will never ask you to disclose it
- Password, for Online banking, email, PC access, etc. must never be disclosed to anyone
- Anti-virus software on your PC should be kept fully up to date
- Emails seeking personal (or Banking) details should not be responded to
- Credit Reference: Seek a copy of your Credit Reference file from your national Credit Reference Agency (in Ireland this is the Irish Credit Bureau) to ensure all entries are in order. A fee may be payable.
Refer anything unusual to the Gardai / Police and to your relevant bank / financial institution / service provider.
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