Credit scams, boom of victims

Over 25 thousand people defrauded in 2015, through identity theft (through techniques such as phishing, vishing, etc.), in order to obtain loans that have never been repaid or purchase unpaid products. In the social era, it is very easy to be looted from our personal data made public on social networks and on the web. Hackers manage to steal passwords for Twitter and LinkedIn accounts.

As the summer approaches, holiday scams intensify with many people responding to seemingly advantageous ads, even providing copies of their documents without thinking that they can end up in fraudulent hands. In 2015 there were 25,300 victims of credit fraud, according to the latest edition of the Observatory created by CRIF, with a consequent economic loss of over 172 million dollars. Compared to 2014, a larger amount is being robbed.

Preferred victims are men and over fourteen


Among the victims of credit cybercrime, 64.1% are men, while women show a slight decrease compared to 2014 (-4.7%). The greatest number of cases is recorded between people aged 41 to 50, affected in 27.9% of cases.

Even for the over 50s the frauds have suffered a surge   (+ 15.1% compared to the previous year) while the incidence of cases among young people under 30 decreases (-24.3%). Among young people – according to the CRIF Observatory – women affected increase while in the 51-60 bracket the accentuation among men is more marked.

A transversal phenomenon, from North to South

Campania, Lombardy, Sicily, and Lazio are the regions that occupy the first places in the ranking of the regions where the phenomenon is more widespread, in 2015 than in 2014. Followed by Puglia and Emilia Romagna, with the latter exceeding Piedmont by virtue of an increase of + 28% compared to the previous survey.
On the other hand, the most marked growth compared to the previous year is that recorded in Molise (+39.7) and Friuli (+ 32%) respectively.

The largest number of frauds in the purchase of household appliances


The CRIF Observatory shows that in 2015 32.8% of cases of fraud had an amount lower than $ 1,500. But cases of fraud with an amount between 3,000 and 5,000 dollars have also increased by 32%. In addition, half of the cases the scam is discovered within 6 months. However, there is still 16% of the cases in which the discovery occurs after more than 3 years, with the intuitive greater inconvenience for the victims. 74.3% of cases are scammed during the purchase of installment goods, but credit card fraud doubled (+ 51% compared to 2014).

In the case of purchase in installments, 38.5% of cases of fraud related to the purchase of household appliances; a significant share also concerned the auto-motorbike sector (with 13.8%), the furniture sector (8.1%) and electronics-information technology-telephony (6.8%).
Compared to the volumes of credit disbursed, on the other hand, the incidence of fraud for travel/entertainment, consumption and professional expenses stands out.