credit card identity theft!?

mumof3girls

:mad: some nice person has tryed to get a credit card in my partners name. it has not gone through but it says in the letter from them something about his credit rating. how does some one trying to steal your identity affect your credit rating??? does it go on the person or address. he is really worried. he cross shreds every thing so i think it must be some one that knows him well, what do you lot think???:mad:

James

Here's how you friend can protect himself for free:

https://www.freeidprotection.co.uk

angrybarry

An interesting concept, has anyone used it?

James

angrybarry wrote: »

An interesting concept, has anyone used it?

Yes. But it is early days. More & more people are realising the benefits, which can cost as little as the price of 3 stamps, 3 letters and 3 envelopes.

Getting the message across to Joe Public isn't easy and I'd likd Martin to add www.freeidprotection.co.uk to his Ones Not To Miss, but it's up to people using the system to give him a prod.

The concept is unique in so much as it's the indiviudal who lays down the terms and conditions on how ALL lenders and banks should safeguard their personal information.

Robert Goodwill MP has information on his website. The East of Scotland Fraud Forum too.

Back to the main Topic. Question of The Day in the Telegraph tackled Barclaycard's claims about their ID Theft Service.

Hope this helps.

angrybarry

Wow, cheers for the info James, will look into it with interest.
Thanks AngryBarry

Iamthesmartestmanalive

Tbh Id imagine a lot of banks will just decline the application as a result

Who is responsible for verifying the thumbprint is genuine? how is that done etc?

Seems a lot of hassle therefore until its widespread used Id imagine they will just bounce the application

James

Iamthesmartestmanalive wrote: »

Tbh Id imagine a lot of banks will just decline the application as a result

Who is responsible for verifying the thumbprint is genuine? how is that done etc?

Seems a lot of hassle therefore until its widespread used Id imagine they will just bounce the application

There is no hassel. Nothing changes.

The only downside (and this can easily be rectified as more people come onboard) is that applications can take a little longer. IMHO a small price to pay for added security.

I've tested the system with both credit and debit card applications and it works. The only requirement a bank has is to ensure a print accompanies an application with a signature. No print, application declined, no fraud. If a bank fails to comply with YOUR instructions and ID theft is committed, then they (bank) are in a very awkward position. But this hasn't happened as yet.

The whole point is there is no need to check or verify the Thumbprint, unless application fraud has been committed. For a crook to be successful then they need to submit a print on an application. (It's similar to having your house burgled except the crooks don't wear gloves and leave a perfect print. You would only be asked to provide your print for elimination purposes, thus proving you didn't submit the application).

It's a proactive deterrent. Which protects YOU and banks/lenders who embrace the system.

You've a choice whether you wish to use this system or not. Crooks and Banks don't have that choice.

Hope this explains things.

Iamthesmartestmanalive

James wrote: »

I've tested the system with both credit and debit card applications and it works. The only requirement a bank has is to ensure a print accompanies an application with a signature. No print, application declined, no fraud.

The whole point is there is no need to check or verify the Thumbprint, unless application fraud has been committed against a genuine person. (It's similar to having your house burgled and you being asked to provide a print for illimination purposes).

Hope this explains things.

Oh I thought the thumbprint had to be verified first

The only point I would make is this doesnt prevent people who apply for things then deny ownership

They could just stick someone elses print on it therefore from that point of view banks might be reluctant as it would allow for people deliberatly commiting deception to do so far easier then have a ready made defence

James

Iamthesmartestmanalive wrote: »

Oh I thought the thumbprint had to be verified first

The only point I would make is this doesnt prevent people who apply for things then deny ownership

They could just stick someone elses print on it therefore from that point of view banks might be reluctant as it would allow for people deliberatly commiting deception to do so far easier then have a ready made defence

How can you deny ownership if you've submitted your PRINT on an application, receipt or transaction slip?

As for sticking someone elses print on something, that someone else would be complicit and their forensic would be on the application etc.