Financing institutions use a number of methods to verify the customer’s identity. If a person is present in the process, he checks the ID of the potential borrower, verifies that the ID belongs to him, checks the document for possible fraud. In online processes, companies use a USD transfer, account login (kontomatik, instantor) or behavioral verification tools. Despite all these security systems, there are still situations where someone will steal their identity and take a loan. How do you know if someone took a loan from me?
Each lending institution assesses the client’s ability to commit. The bank does it the least – it is practically impossible for it not to check a potential customer in the Credit Information Bureau and Economic Information Bureaus. The latter are several, and the most popular of them are the National Debt Register, BIG InfoMonitor and ERIF. Non-bank institutions approach the topic of assessment more liberally. Not everyone of them checks the Customer in BIK – but most of them verify this. Most also check any Economic Information Bureau.
We often find out that someone took a loan from us after a damage. We check the report in BIK and it turns out that we have an obligation that we did not incur. The debt collector knocks on our door and expects the debt to be repaid. We receive urgent reminders regarding a loan we did not take. When we get to one of these situations, unfortunately it is too late – someone took a loan for us. Therefore, it is worth taking preventive measures.
The identity card and the data contained therein are confidential information. First of all, we should not disclose them to third parties. If we happen to lose our ID card, we should report it immediately. Similarly in the case of document theft. Lost evidence can be reported through your trusted profile at www.obywatel.gov.pl. Banks also accept applications. Theft of evidence must be immediately reported to the police. Quick cancellation of the document may prevent us from taking out a loan or credit for our data.
It’s a good idea to turn on the alert service
Most of the interview rooms where the client is verified in the creditworthiness assessment process provide an alert service. Thanks to it, in every situation in which a given intelligence service will record a request for our data we will receive an alert by phone / email. If we are not actively in any credit process, it will be information for us that someone is trying to extort financing from our data. An alert is probably the fastest way to get information about an attempt to take credit or loan from us .
Not just credit
Phishing can be about more than just credit. Someone may try to take a telephone subscription or conclude a gas supply contract with us. Therefore, it is worth having alerts not only from BIK, but also from BIGs. The service offered by BIK is called “BIK Alerts”, by the National Debt Register “Protect PESEL”. KRD in its product additionally allows for contractor verification. For example, when planning a vacation with a travel agency, we can check whether these are in arrears with payments. If he is in arrears, it is better not to use his services .
How much does it cost to access the alert system
Institutions usually offer services in annual packages. We pay access in advance and we can use all the system functionalities for 12 months. The prices of individual packages, depending on the institution and scope, start from $ 24 per year. On average, we should not pay more than 99 USD for a year of service for the service.
REMEMBER! If you lose your ID card, immediately report its loss at the bank and on www.obywatel.gov.pl through your trusted profile. Theft of evidence must be reported to the police.
It’s worth the blow
It is worth taking appropriate preventive actions that will protect us against attempts to take a loan on our data. We live in a digital world – loss or theft of evidence are therefore not the only situations where someone can take over our personal data. There is also a data leak, which is often beyond our control. If someone tries to extort, only a quick response can save us from trying.