Fraud can occur in many ways, from somebody using your credit card details illegally, to having your entire identity assumed by another person to open bank accounts, take out loans and conduct illegal business under your name.
How to protect yourself from identity theft
✓ Never send money or give personal details to people you don’t know and trust.
✓ If you receive a call from The Mutual Bank or any other organisation, don’t provide your personal details - instead ask for their name and a contact number. Check with the organisation in question before calling back.
✓ Never rely on a number provided in an email or click on the provided link - instead find the contact number through an internet search or check the back of your Visa Debit Card.
✓ Regularly check your statements to ensure that suspicious transactions are detected.
✓ Shred all documents containing personal information, such as applications and statements.
✓ Log directly onto websites you are interested in rather than clicking on links provided in an email.
✓ Always get independent advice if you are unsure whether an offer or request is genuine.
✓ Lock your letterbox securely to avoid your mail being stolen.
✓ Ensure you choose passwords that are not easy for someone to guess, such as your date of birth, pet’s name etc.
Signs of identity fraud
These can vary, but some typical signs that your identity is being used unlawfully are: