July 12. Sending a scan of the passport to the travel Agency for registration of permits, giving it as a Deposit for a bike, the Russians do not even suspect what danger they are exposed to. Passport data can easily be used by fraudsters to obtain a loan from the Bank. How to check it and what to do if the credit is already issued?
Banks and micro-credit organizations are often targets of dishonest people. The share of fraudsters who want to get borrowed funds and not to give them in the future, according to the credit Bureau "Equifax", does not change from year to year. Usually, a credit institution understands that it has issued money to a fraudster, when the contract is already concluded. The first sign of fraud – the absence of at least one payment on the loan and the transition delay mark 60 – 90 days. The second sign is the unwillingness of the borrower to communicate with the Bank or MFO to resolve the situation.
Types of credit fraud
Conditionally, all frauds in this area can be divided into four types, the shares of which are approximately comparable.
- Registration of the credit on the lost and false documents.
- Making a loan to other persons for a fee or under pressure.
- Obtaining a commodity loan for cashing out funds.
- The loan photocopy of the passport.
More than 45% of fraudulent loans are issued to persons aged about 30 years. In the loan application form, fraudsters usually indicate that they are married, have a higher education and indicate work and mobile phone numbers. That is, they indicate all the information typical for the average Russian.
A new trend in recent years – the increase in the number of women among scammers.
Fraudsters are constantly improving, finding more effective ways to counter the creditors ' funds to identify them. Attackers are becoming smarter and smarter, rarely work alone, prefer to use "sets" of documents. Usually the life of the "passport" the fraudster is very short – 1-2 days.
If we analyze the portrait of a typical credit fraudster in Moscow, it will be a 32-year-old bachelor with a higher education and a salary of about 50 thousand rubles per month. Typically, such scammers buy on credit modern gadgets cost from 30 thousand rubles.
Take care of passport
The passport is the main identity document. Many transactions are carried out only upon presentation of this document. It is the passport that is of particular interest to attackers.
Vigilance should be exercised with copies of the passport, regardless of whether they are paper, scanned or simply in the form of a photo. Remember, because often you give a passport as a Deposit (for example, to rent a Bicycle or children's electric transport) or send a scan of the passport to the travel Agency for registration of tourist trips. Simple rules will help to protect yourself from scams:
- keep an eye on your documents and their copies;
- don't give them away unnecessarily to anyone.
Loan processing begins with the application. The application always implies the request of the Bank or MFI of the borrower's credit history. This request is immediately recorded in the history. Data with the name of the Bank or MFI and the exact time of the request appear immediately.
If you suspect that your data is used to process a loan, you should open the list of BCI from the Central catalog of credit histories of the Central Bank, find out in which banks your data is stored, request a credit report from each Bureau and check the closed part of the report for requests of credit institutions. If a suspicious request is detected, you must immediately contact the organization that made the request.