How do you know if someone took a loan from me?

If you are reading this article, you are probably wondering, “Can someone take a loan from me?”

Unfortunately, the answer is yes. In the age of the Internet, when most loans can be taken without leaving your home, just filling out the online form, you can not only take out a loan, claiming to be someone else but also set up a bank account on someone else’s data.

The so-called phishing. This method involves sending infected files via SMS or email.

The scammer impersonates another person or institution we know of (e.g. a bank) and sends us a seemingly important message. After entering the link provided in the message, we install the virus, and the person who sent it to us has access to our passwords and pins.

Can you take a loan for someone’s ID?


Criminals who deal with extorting cash loans often use a stolen or forged ID document. This means that the thief can use not only your ID card but also your passport, driving license or even an army booklet.

Counterfeit documents are also not uncommon. Thieves create your new profile, inflating your income, changing your marital status or the number of dependents.

Is my PESEL number or personal data enough to take a loan?

In the world of finance, apart from bank loans, there are also quick loans, so-called Quick Loans This type of loan is granted by non-bank financial institutions that apply completely different restrictions than banks.

A person applying for a payday payment usually only needs to complete a simple form and provide personal data such as name and surname, PESEL number, place of residence, and number and series of ID cards.

However, if you read on the Internet or heard from a friend that “someone took a loan for my PESEL”, we are in a hurry to calm you down. The security and at the same time the verification that parabanks use is a verification transfer made from the account of the persons whose details were provided in the form.

There are companies that do not check their future borrowers in this way, but instead ask for a scan of ID card or additional documents.

How do you know if someone took a loan from me?

How do you know if someone took a loan from me?

Unfortunately, even if you are guarding your ID card and do not upload photos with the driving license you have just got into social media, you can still fall victim to credit fraudsters.

Fortunately, at any time you can check what is happening with your data and whether by accident someone is impersonating you in order to extort a loan.

To do this, all you have to do is set up an account in one of the business information office registers and purchase a one-off or periodic GFI report.

Where can you check if someone has taken a loan for me?

  • GFI – Good Finance Information

How can I protect myself against phishing scams?


If you want to protect your data against credit scams, just follow these simple tips.

  • Do not take photos of your ID documents.

Regardless of whether you send them to someone or just keep them in the memory of your cell phone, there is a good chance that they will fall into the wrong hands.

  • Check your documents at least once a day.

Make a habit of checking whether you have any documents with you. Pay attention to this especially after you get off the bus or leave a crowded place.

  • Set up a secure login and use strong passwords.

Use the secure login option to your bank account, e.g. via SMS codes, and in places where you provide your data, use the so-called strong passwords (those with special characters, numbers, and uppercase and lowercase letters).

  • Use the GFI alerts.

For less than USD 2 a month you can receive notifications, so-called alerts sent by the Good Finance Information. After each attempt to make a commitment to your data, you will receive a text notification.

  • Use the network safely.

The Internet is not only social media but also all websites. Those on which you provide your personal data should have so-called green padlock visible in the address bar. This symbol means that the website is encrypted and your data is secure.

  • Do not make verification transfers.

Fraudsters often pretend to be companies that are looking for employees and wanting to verify a candidate, they ask for a verification transfer. Do not agree to this in any case, especially if the recipient of the transfer is someone you do not know.

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