With enough identifying information on you, a criminal can take over your identity and conduct a wide range of crimes:
WHAT A CRIMINAL CAN DO WITH YOUR IDENTITY
Make false applications for loans and credit cards
Rent a flat
Open a mobile phone account in your name
Make fraudulent withdrawals from bank accounts
Obtain other goods or privileges which the criminal might be denied if he were to use his real name.
As it frequently involves no physical theft, identity theft may not be noticed by its victims until significant damage has been done - often, several months and thousands of pounds later.
HOW YOUR IDENTITY IS STOLEN
Going through your post or rubbish, looking for bank and credit card statements, pre-approved credit offers, and tax information.
Stealing personal information from your wallet or purse such as identification, credit or bank cards. Completing change-of-address forms to redirect your mail.
Obtaining your credit report by posing as someone who has a lawful right to the information.
Acquiring personal information you share on unsecured sites on the Internet.
Buying personal information about you from an inside source – e.g. a cleaner
PROTECTING YOURSELF
The best way you can protect against your identity being stolen is by recognising that YOUR PERSONAL INFORMATION IS A VALUABLE ASSET that criminals would like to get their hands on.
Keep your personal information secure secure – preferably in a locked filing cabinet
Don't throw away entire bills, receipts, card slips, bank statements or even junk mail in your name. Destroy unwanted documents, if possible by using a shredder.
Periodically check you personal credit file (see link at end). This is particularly necessary after you have recently moved house
Be extra careful if you live in a property where other people could have access to your mail.
If you move house, tell your bank, card issuer and all other organisations that you deal with immediately. Ask the Royal Mail to redirect any mail from your old address to your new one for at least a year.
Consider using the Mailing Preference Service to limit the amount of unwanted mail you receive.
If your plastic cards are lost or stolen, cancel them immediately. Keep a note of the emergency numbers you should call.
If your passport or driving licence has been lost or stolen contact the issuing organisation immediately.
Check statements as soon as they arrive. If any unfamiliar transactions are listed, contact the company concerned immediately.
Never give personal or account details to anyone who contacts you unexpectedly. Be suspicious even if they claim to be from your bank or the police. Be aware that a bank will never ask for your PIN or for a whole security number or password.
Don't use the same password for more than one account and never use banking passwords for any other websites. Using different passwords increases security and makes it less likely that someone could access any other accounts.
Keep your passwords safe and never record or store them in a manner which leaves them open to theft, such as in your purse or wallet.