TalkTalk Breach: How to protect yourself using your ClearScore credit report?
You can use your credit report to monitor for financial fraud. With ClearScore, you can monitor your Equifax credit report for free, forever.
The news today that the personal details of over four million UK TalkTalk customers may have been compromised in a cyber-attack will have left many people understandably worried that their personal details may already have been sold on to criminals looking to instigate phishing attacks or other financial fraud.
Customers need to be proactive in looking out for suspicious or unexpected activity, such as someone taking out a credit card or loan in their name. TalkTalk customers should check their credit reports to monitor for any unusual activity. Any unusual behaviour should be reported to Action Fraud.
Here are some ways you can use a credit report to monitor for financial fraud
Sign up for a free credit report
- There is no need to pay – you can access a 100% free service like clearscore.com and access both your score and full report within minutes.
- Unlike other credit report services, with ClearScore you don’t need to enter any credit card details – something anyone affected by a hack will understandably be particularly wary about doing
Look for evidence of fraud
- If you are a victim of identity theft, you will see evidence of it on your credit report.
- Look for tell-tale signs of fraud such as new credit accounts that you did not set up. Check if there has been an increase in searches on your credit report. If a fraudster is attempting to open up several accounts, a search will be listed on your credit report for each of those attempts.
- Also, check that your address(es), phone number(s), and other information is correct.
Report any fraud
- If your credit report indicates you are a victim of identity theft, you will want to immediately take steps to remove the fraudulent accounts.
- You should report any fraudulent activity to Action Fraud on 0300 123 2040 or actionfraud.police.uk.
- Make sure you have any relevant information to hand (for example names, dates, information about the suspect, and details of how any money was lost).
- Tell your bank or financial services provider about any suspicious activity so they can put a freeze on fraudulent lines of credit.
- Continue to monitor your credit reports – we suggest you do this once a month so you can spot any fraudulent activity.