Protect yourself against ID fraud

Monitoring your credit report is a good way to protect yourself against ID fraud, as Kay from Experian explains below.

Experian Credit Expert can help you protect your personal information online. With our victims of fraud team, web monitoring and credit monitoring features, we can help you stay safe online.

Online identity fraud: what you need to know

What is it?  Once criminals have enough of your personal details, they can apply for credit in your name and run up debts without you knowing. Your full name, date of birth, current address and national insurance number, and the passwords and PINs to your bank accounts are among the things they are hoping to get hold of.

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Are your passwords protecting you?

Keeping a close eye on our personal credit information is important

1 in 10 Brits never change their online password…

Are your passwords really protecting you? For the vast majority of account takeovers, the fraudster will need to have gained specific information about you, such as your online log in and password.

On average, Brits have 19 online accounts each, with an average of seven different passwords. However, one in 10 of us never changes their online passwords and one in 20 uses the same passwords for all of their online accounts, many of which are inactive (social networks (26%), email (18%), retail accounts (21%) yet still potentially accessible to fraudsters.*

Take a look at our tips below to make sure that your passwords are working to protect your ID.

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5 ways to stay safe shopping online

We're all looking harder for value online

Shopping? Be careful where you click

We spend much of our lives online, but it’s important that this doesn’t give us a false sense of security when we go online to shop, as so many of us now do. There are a number of simple things we can all do to help avoid becoming a victim to identity theft.

-       Be careful where you click – It’s best to use websites that you know and trust.  Always look for a security padlock icon in the top left hand corner of a page before you register financial or personal information on a website. If an online deal sounds too good to be true, it quite probably is.

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Keep your children safe online

Keep children safe online

Keep children safe online

The need for parents to talk to their children about internet safety is more important than ever, with so many children now well-versed in using tablets and smartphones.

In many cases, by the time they are teenagers they may know more about online apps, games, social media networks and downloads than you do – but they may not be savvy enough to know how to protect themselves from online threats.

So it’s vital to educate children in the skills needed to respond to online situations they may encounter such as cyberbullying, phishing and inappropriate content or communication.

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5 ways your credit card can affect your credit rating

Could your credit card could help improve your credit rating?

Could your credit card help improve your credit rating?

Last night (13 Oct), Experian’s James Jones appeared on LBC’s Money Hour show to talk about the many ways a credit card can affect your credit rating.

Podcast: Listen to The Money Hour show – broadcast on Monday 13 October

Here are 5 ways your credit report can show how good management of your credit card could help improve your credit rating:

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How will cancelled Wonga loans affect credit ratings?

Dear James,

Wonga has recently announced it is cancelling loans owed by a number of customers following a review of its lending criteria. Can you tell me what will happen to these people’s credit reports and when, and how this will affect their future credit ratings? Thanks.

Ben, Brighton

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Meet Experian’s customer service team

"We help customers who are in difficult circumstances"

“We help customers who are in difficult circumstances”

This week (6-10 October) is National Customer Service Week, so I visited Experian’s award-winning contact centre in Nottingham to find out more about what they do and how they do it.

Experian’s contact centre recently won the ‘Medium Size European Call Centre of the Year’ award at the 2014 European Call Centre and Customer Services Awards, I met some members of the team, and found they were dedicated to customer support and satisfaction – whether assisting customers with credit worries, victims of fraud, or just giving helpful advice.

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Wedding costs: how much do people really spend?

The cost of the average wedding:  around £18k

The cost of the average wedding: around £18k

Married life shouldn’t really have to start with debts being paid off, but with the cost of the average wedding reputed to be anything up to £18,000, wedding costs can often be higher than you think – and a potential hit to your credit rating.

This was the subject we discussed last night (6 Oct) on LBC’s Money Hour show.

Listen to The Money Hour show – broadcast on Monday 6 October

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National Customer Service Week 2014

National Customer Service Week runs from 6-10 October 2014

National Customer Service Week runs from 6-10 October 2014

Did you know that this week (6-10 October) is National Customer Service Week?

Around 4,000 customers call Experian’s Contact Centre each day, with customer support and satisfaction being at the heart of the operation.

In fact, Experian’s award-winning contact centre, based in Nottingham, won the ‘Medium Size European Call Centre of the Year’ award at the 2014 European Call Centre and Customer Services Awards in July.

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