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Issuing a loan using forged documents is the most common and fastest growing type of fraud. Victims of fraud have to prove that they are not involved and did not physically take out loans and have nothing to do with what happened.
Fraudsters often take out loans by presenting forged documents. Moreover, there are no official statistics in Russia confirming the challenging of entries in credit histories. Although high-ranking employees of the CHB (credit history bureau) say that the number of requests to challenge loans is estimated at several hundred per month.
For reference:
Every citizen of the Russian Federation who has ever applied for a loan has a credit history, which records how many loans he took out and how he repaid them. Personal credit rating (PCR) is an assessment of a citizen's credit history, expressed in points (the minimum value is 300 points, the maximum is 850 points).
How is this.
Problems often start with a scan or photo of a person's passport appearing online. Although bank employees are supposed to check the authenticity of a passport before issuing a loan, in practice they may be "in cahoots" with fraudsters, or a fake made using passport data leaked online will be of high quality.
Clients applying for a loan are asked to present their passport, and their photo and personal signature are checked. Many banks ask to provide a confirmation code from a message to a mobile phone or confirmation of a transaction in an application on a mobile phone. But practice shows that this only filters out completely amateurish loan fraud - serious scammers easily bypass this security level.
4 ways of leaking personal data:
1. Loss of a passport.
2. Transfer of clients' personal data by employees of companies that collect and store them by the nature of their activities (car sharing, banks, microfinance organizations, government services, etc.).
3. Hacking the database of companies or cloud storage, where users store their personal data (scans of the entire family's passports, card numbers, files with passwords, etc.) for convenience and quick access.
4. The victim independently transfers their passport data to the fraudster.
Digitalization and expertise.
Digitalization, in turn, has also contributed to the fact that more and more personal data is leaking online. But still, regardless of the level of digitalization, the human factor comes first.
It is possible to prove that the loan was taken by fraudsters. Although often not easy. Contacting the police with a statement of fraud is the first thing to do. But regardless of how this vector of events begins to develop, we collect evidence and go to court.
The basis of the evidence is a handwriting examination, which will easily show that the agreement was signed by a person other than the one in whose name the loan was issued. To do this, you need to request a copy of the agreement under which the loan was issued and go to court with a claim, attaching all available evidence to it. Usually, trials in such cases do not last long (from a month to four) and often side with the borrowers.
There is an opinion.
In the near future, the number of fraudulent actions with stolen documents will not decrease. And deceived citizens will have to continue to prove that the loan was taken by fraudsters.
What to do.
To avoid theft of passport data, you cannot send copies of passports and selfies with them to third parties, allow them to make a copy of the passport without necessity. It is better to show a driver's license. You cannot store them in cloud services with a low level of protection. On your devices, you need to use only licensed software, regularly update security programs. If a person discovers that his passport (or other) data has been compromised, he must immediately report this to the bank and law enforcement agencies.
Fraudsters often take out loans by presenting forged documents. Moreover, there are no official statistics in Russia confirming the challenging of entries in credit histories. Although high-ranking employees of the CHB (credit history bureau) say that the number of requests to challenge loans is estimated at several hundred per month.
For reference:
Every citizen of the Russian Federation who has ever applied for a loan has a credit history, which records how many loans he took out and how he repaid them. Personal credit rating (PCR) is an assessment of a citizen's credit history, expressed in points (the minimum value is 300 points, the maximum is 850 points).
How is this.
Problems often start with a scan or photo of a person's passport appearing online. Although bank employees are supposed to check the authenticity of a passport before issuing a loan, in practice they may be "in cahoots" with fraudsters, or a fake made using passport data leaked online will be of high quality.
Clients applying for a loan are asked to present their passport, and their photo and personal signature are checked. Many banks ask to provide a confirmation code from a message to a mobile phone or confirmation of a transaction in an application on a mobile phone. But practice shows that this only filters out completely amateurish loan fraud - serious scammers easily bypass this security level.
4 ways of leaking personal data:
1. Loss of a passport.
2. Transfer of clients' personal data by employees of companies that collect and store them by the nature of their activities (car sharing, banks, microfinance organizations, government services, etc.).
3. Hacking the database of companies or cloud storage, where users store their personal data (scans of the entire family's passports, card numbers, files with passwords, etc.) for convenience and quick access.
4. The victim independently transfers their passport data to the fraudster.
Digitalization and expertise.
Digitalization, in turn, has also contributed to the fact that more and more personal data is leaking online. But still, regardless of the level of digitalization, the human factor comes first.
It is possible to prove that the loan was taken by fraudsters. Although often not easy. Contacting the police with a statement of fraud is the first thing to do. But regardless of how this vector of events begins to develop, we collect evidence and go to court.
The basis of the evidence is a handwriting examination, which will easily show that the agreement was signed by a person other than the one in whose name the loan was issued. To do this, you need to request a copy of the agreement under which the loan was issued and go to court with a claim, attaching all available evidence to it. Usually, trials in such cases do not last long (from a month to four) and often side with the borrowers.
There is an opinion.
In the near future, the number of fraudulent actions with stolen documents will not decrease. And deceived citizens will have to continue to prove that the loan was taken by fraudsters.
What to do.
To avoid theft of passport data, you cannot send copies of passports and selfies with them to third parties, allow them to make a copy of the passport without necessity. It is better to show a driver's license. You cannot store them in cloud services with a low level of protection. On your devices, you need to use only licensed software, regularly update security programs. If a person discovers that his passport (or other) data has been compromised, he must immediately report this to the bank and law enforcement agencies.
