Check your free credit reportĮnsure you recognise everything on your credit report - especially credit searches. Check that everything is as you’d expect. Review your statementsĭon’t ignore your monthly credit card and bank statements. Check your direct debitsīe aware of future direct debits and regular payments due before payday, so you know how much ‘spare spending money’ you’ve got available - a good way to avoid hefty overdraft charges, too. A favorite trick of fake check scam artists is to use the routing number of a bank on the other side of the country from where the victim lives that way it takes longer - up to a couple of weeks - to identify the fraud. It identifies the bank that issued the check. Keep tabs of your contactless card transactions, by keeping the paper receipts until the money is taken out of your account. The first, nine-digit part of the MICR line is called the routing number. You can often even set up alerts to get notified every time a transaction is made. TotallyMoney’s tips for detecting and avoiding fraud on your bank account include: Use Online Bankingĭownload your bank’s mobile app, or use online banking, to check your statement every couple of days. My account statement or other notification sent. “Spotting and reporting anything you don’t recognise – no matter how small – could stop an incidence of fraud in its tracks,” he said.ĭouglas also advised checking your credit report, on which you can see any financial activity in your name as well as balances and payments – something which could help you identify any sinister activity. I am writing to tell you that the payment was an unauthorized transfer. He urged people to make use of these facilities. He explained how, with the aid of mobile apps and online banking we can now have our statements at hand in seconds, which should make it easier to check outgoings. But, it could be tell-tale of a bigger issue.” Alastair Douglas, CEO of credit experts TotallyMoney, said: “For some people, a £20 transaction they don’t recognise isn’t the end of the world.
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