Nowadays, there is a very high competition among organizations that provide credit services. And in the struggle for lenders, the main advantage is often the speed of obtaining a loan. And a victim of quick loans can easily turn out to be anyone who does not think about a loan at all, an average person.
It is the speed of obtaining a small loan, called today a microloan, that allows fraudsters to find a loophole. Although microfinance institutions are required to thoroughly check borrower data, some get by with minimal data. And for a small online loan, passport data is enough. Of course, everyone strives to provide such information as passport data, SNILS, phone number, and so on, in a minimal amount. But failures do happen, since there is always an opportunity to steal information, especially if it promises some kind of profit. And, at least, we leave passport data in clinics, car dealerships, schools and kindergartens, for property insurance and large purchases. And not everyone will be able to guess where exactly his passport data was taken from. Therefore, it is obvious that the best way to hedge against unexpected collector visits (namely at this stage, the victims usually find out about existing debts) is to regularly check whether you have loans and credits. This can be done in two ways. The first is a request to a regional credit bureau. The second is a request for information on the availability of debt on the websites of the Federal Tax Service and the FSS. This option is possible after the information about your debt is submitted to the court. Both methods will require at least time expenditures.
As you know, demand creates supply. And scammers are actively using this. The desire of users to find out information about the presence of debts immediately and inexpensively contributes to the fact that many services have appeared on the network that provide the desired service. And here you need to be careful. As a rule, such services require the introduction of personal data. The desire to quickly find out if you are in debt can lead to the fact that after contacting such services, you will have debts. Be attentive and careful with your personal data.
