that everything is in different parts of russia for the development of the oil refining industry, and if earlier it was possible to turn to western partners, now you have to rely on yourself in the field of critical technologies and developments. this is a great chance today in our russian scientists and russian institute. the work will be a lot and quite hard. well, you have to apply force. that is, here we really have a resource. there are no crazy questions. the world is not without good people, but unfortunately, the opposite is true, and some kind in quotation marks people sleep and see how to take

loans in your name and appropriate it to themselves. we will tell you how not to become their victim in 5 minutes in the instruction program, we will start with the most innocuous message about an approved loan . but if such a message came from a microfinance organization. here it’s worth thinking about how you got into its database and contact the credit bureau for prevention, as i’ll tell you a little later, experts give another good advice to get a virtual number service from your telecom operator and indicate it everywhere on websites in stores. only virtuoso hackers will be able to connect a virtual number with a real ordinary scammer, this is not possible if you want to be completely safe. try to forbid taking on a loan altogether, and the truth is that such changes are only being considered by federal laws at the moment,

the possibility of refusing to issue loans is centralized, but without personal presence there is none. although such amendments to legislation is already being considered, but today it can be noted that some banks are already working on introducing such an opportunity in your personal account. and this means that a person will not need to go to a bank allocation, but it will be enough to go to his e-online bank and set a limit on the issuance of online loans, take a more unpleasant case, you lost your passport or threw away a photocopy of it, and someone picked it up or went to document to fraudsters. or they themselves received your data from the database. why is it dangerous? the fact is that banks and mfis switched to simplified identification a few years ago. that is, to get a small amount online, a scan of a passport is enough and such a visit to the office in some cases, the bank may request snils, but this does not always help, and passport data and snils of tens of millions of

russians are stored in commercial and government databases, one hack or an unscrupulous employee is enough and there is already a risk, although the amounts themselves without a personal visit are small, but there are restrictions on the number of loans. no, especially malicious crooks, manage to take dozens of microloans per day, the question arises. but what about the banks? do they really not carry out identity verification, in general, of course, yes, but criminals find loopholes, sometimes banks trust third-party organizations to verify. well, they can relate to their functions. well, perhaps negligently, in some cases , a video conference or a photo with a passport in hand is required, that is, something in between a visit to a bank and an anonymous issue online. however, deepfakes are not only for information wars and comedians. fraudsters have learned how to fake photos and videos, of course. creating a believable picture did not come cheap and this is far from the most popular method, but sometimes it is also used. well, the most

unpleasant thing is the human factor, a petty clerk inside the bank, can become an accomplice of swindlers, and here there is no question of any verification at all. let's look at another unpleasant situation. you have lost your smartphone. this can be even more dangerous than losing your passport, especially if additional features are not activated in the banking application. protection, such as a fingerprint or access, on the face of the owner, it is better to immediately block the sim card. and that's why each bank has a clause in the application agreement that the organization is not responsible. in case of loss of a smartphone. moreover, all operations confirmed from the phone are considered confirmed by you personally. eh, how would you like to drop by? well, for example, to the office and the banking application is not the only thing. what should you pay special attention to? it is also worth considering the account on the portal in public services, because many microfinance organizations.

now they work through an account in verified public services, thus, if scammers take possession of your portal, it will not be difficult for them to pass verification on these websites of microfinance organizations and take as many loans to your profile. how much will the system allow them? how to protect yourself from scammers? it is generally possible, yes, there are methods. let's see the main ones. if your passport is lost, contact the police urgently, do not send photos from scans to suspicious sites and unfamiliar users, even if sent to reliable ones. delete the messages then, if you are hacked, the data still does not receive the same with photocopies, do not forget them. do not leave in mind now about the smartphone. install additional identification levels in it and in the banking application itself. a slightly more complicated moment. this is a credit history check, for this you need to find out at the public services in which bureau your data is stored, then on the bank’s website

, submit an online request for a credit report twice a year, the service is provided free of charge. and what to do if the scammers have already taken a loan, do not panic. here, too, there is a mechanism. you need to request your credit history at the bcs, file an application with the police to initiate a criminal case and do not forget to receive a coupon notification of its acceptance, then you should contact the bank or mfi with a written application in it. indicate that the loan was received fraudulently , set out the actual circumstances and attach evidence, everything that is here, in fact, there is one plus, let's say so according to our according to 80 percent of these microfinance organizations, when you come to their office and say that the loan was, uh, not taken by you, but provided. as a rule, they turn off the document stating that a criminal case has been started. uh, all this debt collection activity. so what should you

do in order not to become a victim of scammers, first of all, take care of your passport and smartphone, do not give copies of documents to strangers, and in the device you can also activate additional protection methods according to passport data, crooks can dozens of small loans accumulate a decent amount. well, through the banking application on your smartphone , you can do anything at all, and you can do it under the contract . you personally check your credit history at the baccarat at least twice a year. if you have already managed to get a loan. write to the police a statement about initiating a criminal case and to the bank that the loan was obtained by criminal means , there are still questions. want to learn how to protect yourself from scammers. in the field of finance. ask in our telegram channel, and we will trouble you experts and be sure to tell about everything in our. instruction in the summer it will be interesting, do you agree?

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