Be wary and prevent being stolen from CCCD for credit loans
According to a report from the Department of Information Security, fraud to steal Citizen Identification Card (CCCD) information to borrow credit is one of the 24 most common forms of fraud as of the first half of 2023. So what to do? How to recognize and avoid scams [...] from Be wary and prevent being stolen from CCCD for credit loans
by
Editor
schedule18/07/2023
According to a report from the Information Security Department, fraud to steal Citizen Identification Card (CCCD) information to borrow credit is one of the 24 most common forms of fraud as of the first half of 2023. So how to recognize and avoid this scam? Let's Anti-Phishing (CLĐ) learn more through the article below.
I. Current status of CCCD information being stolen to borrow credit
Currently, borrowing money through the app is very popular with many "winged" advertisements such as quick disbursement procedures, no need for original documents, no need for appraisal, just need to provide ID card/CCCD number... As a result, many bad guys have stolen information or taken advantage of other people's information to borrow money but not pay it back. And victims of information theft become subject to debt collection for money they did not borrow at all.
For many years now, the authorities have received reports of many people suddenly becoming "debtors" due to some people stealing personal information to borrow money from companies and financial institutions. main.
The trick of the subjects is to take advantage of people's loopholes in sharing pictures of apartments, ID cards, household registration on social networks (Zalo, Facebook...) and use them to register to use online services. (buying goods, applying for jobs, borrowing money) to steal people's personal information. In many cases, scammers have used many different methods to trick victims into providing information and images of ID cards or CCCDs. There are even illegal networks that buy and sell these images on cyberspace.
II. Identifying characteristics and fraud tactics
To be able to use information on CCCD to register for a virtual tax code, borrow money from credit institutions on social networks, and fraudulently appropriate property, scammers often use the following tricks:
Collect personal information:
Scammers may use methods such as phone phishing, email or fake websites to obtain other people's personal information.
This may include CCCD number, personal information, address, phone number, date of birth and other details.
Use information to register for a virtual tax code:
Fraudsters can use information from the CCCD to register for virtual tax codes on fake websites or applications.
They can use this tax code to create fake identities and commit financial fraud.
Fraud and borrowing money from online credit institutions:
Fraudsters can use information from CCCD to register accounts on websites or online loan applications.
They will use fake identities to verify and receive loans from credit institutions with no intention of paying them back.
Fraudulent appropriation of assets:
Once a fraudster has access to another person's account or personal information, they can carry out misappropriation activities.
This can include withdrawing money from bank accounts, making online purchases, making fraudulent transactions or even opening fake credit accounts.
III. Precautions
To protect your personal identity as well as prevent your identification documents from being used for malicious purposes, you should pay attention to the following issues:
Protect personal information:
Do not disclose important personal information such as CCCD number, ID card number, bank account number or password to anyone on social networks or through messages of unknown origin.
Check identity:
If you receive calls, texts, or emails from financial institutions, verify their identity by contacting the institution directly via their officially published phone number or email.
Check the reputation of the exchange:
Before participating in online trading, check the reliability of the trading platform by learning about the trading platform, reading reviews from other users and reviewing operating certificates and licenses.
Stay alert and patient:
Always stay alert for quick money opportunities, and don't be fooled by overly enticing promises. Be patient and alert when making decisions about financial transactions.
Use a strong security system:
Make sure you use robust security software and keep it updated to the latest version to protect your device from online threats.
Check the authenticity of websites and apps:
Before providing personal or bank account information, check the authenticity of the website or app.
Check the URL, SSL certificate, and reviews from other users to ensure that it is a trustworthy and secure website.
Monitor and check accounts:
Periodically check your bank accounts, online accounts, and other financial activity to detect any irregular or suspicious activity early.
Contact your bank or relevant institution immediately if you detect any invalid activity.
Use strong passwords and change them regularly:
Make sure you use strong passwords and don't use the same password for multiple accounts.
Change your password periodically and use secure password management tools to keep your personal information well secured.
Be wary of unspecified requests:
Avoid providing personal or bank account information in response to unknown requests via phone, email or other online means.
Always verify the source of the request and only provide information to organizations that have been confirmed as trustworthy.
Notify competent authorities:
If you become a victim of fraud and property misappropriation, immediately notify the police or competent authorities.
Give them details about the fraudulent activity and provide evidence if possible.
English 
Vietnamese