MOSCOW, 17 Sep. Fraudsters can arrange online loans for citizens without their knowledge. How the scheme works and how to protect yourself, Alexandra Pozharskaya, expert of the project «For the Rights of Borrowers» of the All-Russian Popular Front (ONF) , told Sputnik radio. Usually attackers find passport data of Russians on the Internet, she said. In applications for loans, fraudsters indicate «gray» phone numbers that are not tied to specific owners. At the same time, verification takes place using a simple electronic signature — SMS with a code, Pozharskaya noted. As a result, a person may not know that an online loan has been issued for him until he receives documents on debt collection. «People who do not follow their credit history. , do not see that there are loans to which they are not related. For many it is a surprise when they are deployed at the border or when they receive a court order to collect the debt, «- added the expert. Online fraudsters use a certain strategy to obtain as large a loan as possible, she continued. First, cybercriminals create a good credit history for their potential victim. «Fraudsters who take out online loans using someone else's personal data create a positive credit history for citizens for some time in order to succeed. They take the first loan for a person, repay him stably, service him. Then. they can take out a larger loan and they also pay it off steadily, «said Alexandra Pozharskaya.
The expert told how dangerous the «hunt for discounts» in stores is. The end of the operation is getting a loan in the largest amount for a credit institution. «They bring the loyalty of the microfinance organization to the alleged borrower to the maximum level, take the maximum amount and disappear,» the ONF expert warned in an interview radio Sputnik. You can detect fraud in advance if you are interested in your credit history. «Credit history can be checked every six months for free, this is more than enough. If a person has concerns, he can contact the credit bureau and make a check for money. the largest banks have a credit rating, you can follow it for free and constantly. If the rating has changed, but the person has not made any applications, this is a signal that you need to check the history, «Pozharskaya is sure. had nothing to do, you need to contact the police, she advised.
The expert revealed the scheme of a new credit fraud
