Could a stranger be using your phone number for job and loan applications?

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We just lately obtained a regarding electronic mail from Linda of Tampa, Florida. This is what she needed to say a few telephone quantity hijack rip-off that focused her out of the blue.

Hello,

Loopy scenario, possibly you’ll be able to determine it out. A man began utilizing our telephone quantity a number of months in the past, making use of for jobs, housing, loans, and so forth. I get texts answering his requests with presents, which I reply as “improper quantity” however he continues to use for different offers or care. We all know his identify, we all know he lives in a small city outdoors Tampa, I even discovered him on Fb. We are able to’t work out why he’s doing this, what’s his angle. I’ve considered altering my telephone quantity, however I’ve had it for years & it could be a problem. Can you determine his angle & any hazard for us? Thanks!

Linda, Tampa, FL

It’s definitely complicated as to why this man is utilizing Linda’s telephone quantity.  I’ve a number of theories being triggered as to what his motives may very well be. Let’s dive into why folks would possibly use your or another person’s telephone quantity and what you are able to do to take motion.

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Why would somebody wish to use my telephone quantity?

Mistaken identification

One chance, although it’s unlikely, is that the particular person utilizing your telephone quantity mistakenly believes the quantity to be their very own. One other chance is that the stranger is mistakenly utilizing your telephone quantity, both because of a typo or error on their half or because of a similarity in telephone numbers. It’s potential that they supposed to make use of their very own telephone quantity but mistakenly entered yours. The particular person additionally may very well be deliberately utilizing a false telephone quantity to keep away from detection or for different malicious functions.

One chance, although it’s unlikely, is that the particular person utilizing your telephone quantity mistakenly believes the quantity to be their very own. One other chance is that the stranger is mistakenly utilizing your telephone quantity, both because of a typo or error on their half or because of a similarity in telephone numbers. ( )

Fraudulent exercise

Considered one of my predominant ideas, nonetheless, is that an individual would possibly use your telephone quantity as a part of a fraudulent scheme. For instance, a scammer could also be utilizing your telephone quantity to use for a mortgage or housing after which disappear with out repaying the mortgage or paying hire. This might probably put you liable to being contacted by collectors or different people in search of compensation.

Alternatively, they could be utilizing your telephone quantity to obtain calls or texts from people who imagine they’re contacting them after which trying to defraud these people.

One other chance for somebody utilizing your telephone quantity is that it may very well be a part of a rip-off. For instance, a scammer could also be utilizing your telephone quantity to use for loans or jobs below a false identification… which might put you in danger in quite a lot of methods if what the scammer is doing is prohibited.

Man talks on his phone while at a subway station

One other chance for somebody utilizing your telephone quantity is that it may very well be a part of a rip-off. ( )

What do I do if I do know my telephone quantity is getting used fraudulently?

Whatever the motive, nobody apart from your self needs to be utilizing your telephone quantity for any cause in any respect. Listed here are some ideas you’ll be able to observe to guard your self and your telephone quantity sooner or later.

  • Contact the authorities: Let the police and your telephone provider know that your telephone quantity is frequently getting used with out your consent and see how they may also help you place an finish to it.
  • Change your telephone quantity: Though this is likely to be a little bit of a problem, having your security put in danger is way worse than any inconvenience that altering your telephone quantity would possibly trigger you. Contemplate altering your telephone quantity to place an finish to this invasion of privateness.

HOW TO GET A FREE SECOND PHONE NUMBER AND STOP ANNOYING CALLS

What if I gave my private data to a scammer? What to do subsequent.

In case you unintentionally shared your private data with a scammer, beneath are some subsequent steps when you grow to be a sufferer of identification theft.

  • Look by way of financial institution statements and checking account transactions to see the place outlier exercise began.
  • Report any breaches to official authorities businesses just like the Federal Communications Fee.
  • Contemplate getting the skilled recommendation of a lawyer:
    Earlier than chatting with legislation enforcement, particularly if you find yourself coping with felony identification theft
    If being a sufferer of felony identification theft leaves you unable to safe employment or housing.
  • Earlier than chatting with legislation enforcement, particularly if you find yourself coping with felony identification theft
  • If being a sufferer of felony identification theft leaves you unable to safe employment or housing.
  • Alert all three main credit score bureaus and probably place a fraud alert in your credit score report.
  • Run your personal background verify or request a replica of 1 if that’s the way you found your data has been utilized by a felony.
  • Use a fraud safety service: Identification Theft corporations can monitor private data like your Social Safety quantity, telephone quantity and electronic mail handle, and warn you whether it is being bought on the darkish net or getting used to open an account. They will additionally help you in freezing your financial institution and bank card accounts to forestall additional unauthorized use by criminals.

Among the finest components of utilizing an identification theft safety service like my #1 choose embrace identification theft insurance coverage to cowl losses and authorized charges, and a white glove fraud decision group the place a U.S.-based case supervisor helps you get better any losses. 

Be taught extra by heading to CyberGuy.com/IdentityTheft.

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Have you ever had your telephone quantity utilized in any suspicious method? Tell us by writing us at CyberGuy.com/Contact . (Kurt Knutsson)

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If you’re a sufferer of identification theft, an important factor to do is to take speedy motion to mitigate the injury and stop additional hurt.

Have you ever had your telephone quantity utilized in any suspicious method? Tell us by writing us at CyberGuy.com/Contact.

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