When personal data is leaked, the risk of different types of fraud increases, so be extra vigilant. Two common threats are identity theft and phishing attacks.
Identity theft
Fraudsters can use your personal data to order goods on credit, take out loans, or open subscriptions in your name. Access to your Swedish personal identification number makes it easier for them to impersonate a trusted party, such as your bank or employer. The personal number is often only one piece of the puzzle, but together with other information it can be enough to commit fraud.
Signs of identity theft can be:
- Receiving notice of unexpected credit checks
- Invoices or collection demands for things you didn't order
- Rejection of loans or credits you never applied for
If you suspect that someone is using your identity, you should immediately contact your bank, the relevant authorities or other relevant organisations.
Phishing
When your data is leaked, the risk of phishing also increases. Scammers may send emails, text messages, or make calls that look very credible because they use details about you to appear legitimate.
Therefore, be extra careful about clicking on links or opening attachments in unexpected messages. Never log into your BankID upon someone’s request and never give out your password by phone, text, or email. Also be aware of unexpected multifactor authentication requests, such as a push notification or code via email or text message for a login you did not initiate yourself.
Most scams can be avoided if you pay attention. At the slightest suspicion, stop and ask yourself some important questions:
- Why is there such a rush? Attackers often try to get you to act quickly to avoid following standard security procedures.
- Is the request expected and reasonable? Do you receive this type of request from this sender regularly, or does it seem unusual?
- Does it sound too good to be true? If something seems too good to be true, it probably is.
- Does the sender seem to be correct? Your bank will never send you emails from, for example, swedbank@gmail.com or kund@icabanken-se.nu
If you receive an email or call that seems suspicious, remember that you can always call or contact the person/organisation yourself via their official contact channels to make sure the request is genuine.