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How to check if someone took a loan from me?

According to the report on infoDOK documents issued by the Polish Bank Association, in 2017 a total of 136,000 was reserved. stolen or lost identity documents. At the same time there was an attempt to extort 6.7 thousand. loans for a total amount of over 442 million. USD

How do criminals work?

How do criminals work?

Minimized formalities and the possibility of taking out a loan without any certificates is a great convenience for people who want to get funding for any purpose as soon as possible. Unfortunately, simple procedures for granting loans or even loans at banks are also a bit easier for identity thieves.

An ID card is useful when completing formalities in offices, but not only. This document is also used in other situations, e.g. when checking into a hotel or renting sports equipment. It also happens that fraudsters pretend to be a bank employee and send an email asking them to update their personal details or by phishing the victim for fraud. Another practice they use is to offer an attractive job, usually remote, based on a specific task contract. That is why it is so important not to provide personal data to unauthorized persons and to provide information necessary to conclude an employment contract if we are not sure that the potential employer is honest.

How can you check if someone has taken a loan from me?

How can you check if someone has taken a loan from me?

A good way to check if you have not been the victim of an identity thief who used our data to take out a loan is to monitor the databases of the Credit Information Bureau, BIG InfoMonitora SA, the National Debt Register, the National Economic Information Bureau or ERIF. These types of institutions collect data on the history of repayment of contracted liabilities, which is why by downloading a report on your own subject, you can check whether there were any records of loans that we did not take out. These reports can be downloaded for free once every six months.

Another solution to check if someone took a loan against me is to use the BIK Alert. After activating this service, we will receive notifications via SMS or email each time a bank cooperating with BIK sends an inquiry about us. In a situation where we do not apply for a loan, such a message may mean that someone on our data wants to get a loan. The BIK Alert service is available after creating an account on the website of the Credit Information Bureau and after purchasing the appropriate package. The cost is $ 79. Similar services should also be used in economic information offices, which in turn cooperate with loan companies. Thanks to this, we will be warned if someone wants to take a loan from a bank or a liability in non-bank institutions for our data.

How to protect yourself from fraud?

How to protect yourself from fraud?

The theft or loss of your ID card should be reported to the police as soon as possible, as well as at banks and loan companies where we have incurred obligations. In addition, you need to go to the municipal office and ask for a certificate confirming the loss of an identity document, which you can use until you get a new one. In addition to the activities mentioned above, it’s also worth storing your ID card on the Internet. The easiest task is for people registered on the BIK website – then you can do it with one click. It’s free for all users.

Someone took a loan over the Internet for me – what to do?

Someone took a loan over the Internet for me - what to do?

Sometimes, despite the precautions, the thieves managed to steal our personal data and take out a loan or a loan. In this case, you must immediately notify the police and the prosecutor’s office, regardless of the amount of the commitment. Of course, it can happen that the whole case ends in court. How then can we prove that we have fallen victim to fraud? For contracts requiring the borrower’s signature, an expert graphologist may be appointed to confirm that the signature has been forged. If the loan was taken out via the Internet, you can present a personal account statement, which will prove that the borrowed money has never been credited to our account.

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