Identity fraud - how your credit report can protect you

Identity fraud protection | Credit reports & identity theft protection

Find out how a credit report can protect you from becoming a victim of identity fraud.

It’s never been more important to make sure that you get identity theft protection.

It’s your report

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Identity fraud is one the fastest-growing crimes in the UK – but there are plenty of steps you can take to help protect yourself against becoming a victim of identity fraud, and checking your credit report is a great place to start.

Our top ten tips to protect yourself against identity fraud

1. Check your credit report

To protect yourself from identity fraud the Home Office recommends that you check your credit report regularly, because it gives you a snapshot of your financial history and all your credit accounts.

You can see any recent applications made for credit in your name, spot any unfamiliar accounts or inexplicable debts immediately. If you check your credit report regularly, you will be able to pick up on and put a stop to any problems before they escalate.

You can see your Experian credit report for free with a trial of CreditExpert.

2. Shred or destroy documents containing personal information

Make sure you do this before you throw them away to protect your identity. This doesn’t just apply to bank or credit card statements, even an old catalogue showing your name, address and account number could be enough to help a thief steal your identity.

3. Check your statements for anything unusual

Look through your bank and credit card statements thoroughly for any suspicious transactions.

Identity fraud

4. Report missing documents

If important documents like your passport or driving licence are lost or stolen, report it to the relevant organisation as soon as possible.

5. Watch out for phishing scams

Phishing usually takes place through emails claiming to be from your bank, but phishing phone calls have also been reported. Phishing scams will ask you for personal details like account numbers, PINs or password – but you shouldn’t ever give away this kind of information.

6. Don’t give away too much personal information on social networking websites

You probably wouldn’t think twice about mentioning your pet’s name or your children’s names, but many people use this kind of information as passwords too – so giving away this kind of information too freely could leave you vulnerable to identity fraud.

7. Make sure you’re registered to vote at your current address

If you aren’t, thieves could use your previous address details to get credit, and run up debts in your name.

8. Redirect your mail via the Post Office

It’s best to do this for at least a year if you move house so that your post can’t get  into the wrong hands.

9. Never share your account details

It’s good practice to not tell you PIN or passwords to anyone, no matter how much you trust them, and don’t write them down anywhere either.

10. Monitor your post

If you don’t receive important documents in the post when you were expecting them you should act straight away. Contact the sender and advise them that you haven’t received your documents.

A key element of identity protection is staying vigilant and keeping on top of your post among other things.

CompanyPriceOther information Apply
30 day free trial
£14.99 a month
Freephone UK call-centre
Email & SMS alerts
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30 day free trial
£7.99 a month
Three credit agency checks
Debt advice centre
Identity theft protection
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£19.99 One off credit report check
No monthly subscription
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30 day free trial
£7.99 a month
Unlimited credit report access
Alerts and tools
Support to improve credit rating
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7 day free trial
£14.99 per month
Daily web monitoring
Instant identity notifications
Unlimited credit report access
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30 day free trial
£14.95 a month
Weekly alerts
Customer support team
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Read more…

• Refused credit? – What to do Find out what your next steps are if you’ve been refused credit
• Unused credit cards – Learn about the possible risks behind having too many credit cards
• Get the right credit card for your credit rating – Find out which card is the right match for you

It’s your report

Join the campaign to fight for free annual credit reports for everyone

Sign the petition