not lose passport

Once you have found your passport had disappeared, immediately contact the passport office, a statement about the loss.Do not waste your time: there is a danger that you get credit, you will have to pay.Fraudsters it does not need to do anything special, they have in the arsenal are many ways.On your passport can be issued a consumer loan, credit card or cash loan.

Small amounts

Why is this happening?Everything is very simple.Bank employees should check the photo in the passport with a client who was standing before him.But often this is simply not the case, especially when loans are made not in the bank, and in small offices.Credit managers receive certain compensation to each approved loan, so on some points in the instruction they forget.And if the person in the passport at least a little similar to the
face of a rogue, he is applying for a loan even more confident.In addition, some scammers glued to his passport photo.Managers are not even aware that they are being deceived.Such situations occur in the case of processing the loan for the product or a small amount in microfinance institutions.It is easy to get a credit card for someone else's passport.The scheme of the same criminals.On one passport can apply for two or three loan agreements.

collusion with the bank

take credit in serious bank a large sum - a task more difficult.To do this, you need to have a look, identical to that in the document, and to intercept calls of bank employees to work, home, relatives of the passport holder.Of course, theoretically possible cheating, but it is practically impossible.If you have concerns, security officers performed a thorough check, during which they can ping all the customer's phone number and his family or to meet with him personally.

But if the fraudster is in collusion with employees of the bank, take out a loan using someone else's passport becomes easier.With apply for a loan the customer operates just one bank employee.After checking the passport, he returns it, and sends a copy of the archive.There is a danger that it will take a copy of the document to the outsider.However, such cases are extremely rare due to the good organization of the control and safety of the banking system.In any case, it is not necessary to lose vigilance.