The number of confirmed identity fraud cases increased by
37 per cent between 2012 and 2013, new data reveals.
Analysis
by credit-checking specialist Experian found that almost 13,000 cases of fraud
were confirmed in 2013, with the biggest increases reported in account takeover
fraud, loan fraud and mobile phone account-related fraud.
Experian
said these increases are linked to the online habits of Britons.
Separate
research into consumer behaviour online suggests that one person in 10 never
changes their passwords and one in 20 uses the same passwords for all of their
online accounts.
With an average of 19 online accounts
each, this could make it easier for fraudsters to get a hold of
valuable information.
Pete Turner, managing director of
Experian Consumer Services, said: "Although we have witnessed an increase
in those seeking support having become victims of fraud, the good news is that
improved fraud detection services are catching more and more fraudulent credit
applications before many suffer financial loss."
Experian recommends that consumers always
shred financial documentation after use, use strong passwords when banking
online and avoid choosing online passcodes out of the dictionary.
They
also recommend ensuring that sites are encrypted - indicated by a padlock
symbol - before entering payment details, locking your smartphone's home page
to protect any apps or images with important information, and keeping important
details like birthdays and your mother's maiden name off social media.
Turner said: "Fraud is not just
about financial loss. If your identity is compromised it takes on average 246
days to discover you have become a victim of fraud. That's a long time for a
criminal to have and use your identity for their gain, and potentially harm
your reputation and credit rating."
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