Finding out you’ve been a victim of identity fraud can be very upsetting, but there are ways you can prevent any further damage.
1. First things first - act quickly
Contact your bank and lenders and let them know what’s happened. After they’ve completed their fraud investigations and confirmed the transactions to be fraudulent, they may be able to refund your money.
2. Contact ActionFraud
is the UK’s national reporting centre for fraud and cybercrime. You can file a report online or talk to their specialists by calling 0300 123 2040. They’ll be able to provide you with assistance on the next steps.
3. Contact Cifas - the leaders in fraud prevention
Cifas offer a ‘’ service which places a warning on your credit report, alongside your personal details. This will be visible to banks and lenders when you’re applying for a product or service. When banks or lenders see this warning, they’ll use extra security measures to ensure that the application is actually from you, not someone pretending to be you.
4. Monitor your ClearScore report
Your report is generated once a month, but with our ClearScore Alerts feature, you’ll receive regular updates based on daily changes on your Equifax credit report. Keep an eye on these updates to catch suspicious activity early, and take action quickly. If you don’t recognise information on your credit report, you can dispute this directly with , our partner credit reference agency.
5. Contact Victim Support
is an independent charity that helps anyone affected by crime. They provide free and confidential support 24-hours-a-day, whether you’ve reported the crime to the police or not.
For more tips about how you can prevent identity theft, check out this .