Ignore this cyber threat at your peril, it can cost a fortune
IF YOU understand why a cyber-criminal wants to get their hands on your password, you will realise why it is vital to have a top-secret code.
Thieves that get hold of your personal information can go on a spending spree with your bank details.
They can also steal your identity to take out credit cards, bank accounts, loans and mobile phone contracts in your name. Such stolen identities can change hands for hundreds of pounds on the ‘dark web’.
Phil Rance, a director at credit checker Experian, says: ‘Identity fraud can cause people a real headache. If you can prove the person using these details is not you then eventually you should get a full refund
of any money taken, but it can take months to sort out. During this time, you could be rejected for a home loan.’
Rance suggests it is worth keeping an eye on your credit rating to see if anything has gone awry. It is also vital to check your bank statements and be wary of replying to any unsolicited emails or mail sent in the post.
Criminals may also try to hack into a password- protected email or social media account such as Facebook or Twitter.
You may not have such a high profile as ex-footballer David Beckham, whose leaked emails revealed his unhappiness at not being given a knighthood, but it will still cause problems if you are a victim of hacking.
If there is something in your internet history that could lead you to lose your job or create family problems, then you are open to blackmail.
Criminals can also hack into your computer and take over your webcam and hijack important computer files – and then hold you to ransom. It is possible for fraudsters to ‘key log’ – record everything you type on a keyboard – and take snapshots of what is on your computer screen.
Often personal details are stolen not through hacking but so-called phishing, where bogus emails are sent asking for security information and personal details. Never provide such information.
For advice on tackling fraud or if you fear you may have been hacked, contact the police-run National Fraud Intelligence Bureau.
Details are available at actionfraud.police.uk. You can also contact ActionFraud on 0300 123 2040.