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How do I know if I have credit cards or loans without my authorization?

How do I know if I have credit cards or loans without my authorization?

According to the National Police, cases of use of malware or software to obtain credit card data, the Verification Value Code (CVV) and the expiration date have increased by 150% this year. If you are a victim of identity fraud or a scam by cybercriminals, who request a credit card or loan without your consent, pay attention to the following note.

In order to avoid any unpleasant surprises regarding debts for purchases or transactions in your name that you did not make, the Superintendency of Banking, Insurance and AFP (SBS) has a debt report and your credit history. Next, we teach you how to verify with this tool that no unusual changes occur in your financial record.

If someone took out a loan or card without my authorization, how can I identify them?

According to the portal of the Superintendency of Banking, Insurance and AFP (SBS), there is a section called ‘Debt Report’, in which you can review your credit history and find out if there was any strange movement that you usually make. In this way, you can know the relationship of credits that you have contracted with the companies in the financial system, as well as the rating assigned by said entities. Just follow these steps:

  • Enter the SBS platform HERE and go to the ‘Debt Report’ section, which is located at the bottom.
  • Next, a section will appear for you to log in if you already have an account created. Otherwise, you must register a new one with your ID and email.
  • Once you log in, you will be able to see your history and credit rating, in addition to the debts and cards you have enabled.
  • Likewise, you have the option of obtaining this information through the customer service offices or parts desk.

SBS Credit Alert: how to receive it to find out if there is any strange movement?

In addition to knowing your debt report and credit history, on the SBS website you will also find the ‘Ratings Alert’ tab. This will help you receive a notice in your email every time you forget or delay paying a debt, when your credit rating changes from “normal”, and if you obtain a new line of credit.

If you want to activate this alert, you must send a subscription request, registering your email or phone number. After that, you will receive a message in your email that will confirm if you managed to subscribe.

What are the most common cases of cybercrime in Peru?

According to the National Police, the most frequently committed cybercrime crimes are the following:

  • Computer fraud
  • Identity fraud
  • Scam aggravated through the use of social networks, emails, WhatsApp, among others
  • Propositions for sexual purposes to minors through the use of technology.

SBS: what are your service channels?

The Superintendency of Banking and Insurance has a free consultation line 0800-10840, which is available to resolve public concerns. In addition, it has these service offices:

  • San Isidro (Av. Dos de Mayo 1475): Monday to Friday from 8.30 am to 5.00 pm
  • San Borja (Calle De La Prosa 104): Monday to Friday from 8.30 am to 1.00 pm – 2.00 to 4.30 pm

Party table: San Isidro (Av. Dos de Mayo 1511): Monday to Friday from 8.30 am to 4.30 pm

Source: Larepublica

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