With the rapid expansion of credit Debt relief business , the competition becomes more intense throughout the recent complaints about credit Debt reliefs disputes. The case frequently, especially in the current backdrop of economic downturn, the credit Debt relief business risk in the multiple, high-fat period. At present, various types of credit Debt relief fraud risk in the overall business risk has become the biggest threat. In particular, bad debt relief often make such false applications for the issuing bank guard against. bad debt relief can be said, credit Debt relief fraud is a systematic project. Overall, the fraudulent transactions can be divided into a false application, not Dhaka, account theft, business fraud, stolen Debt relief, Weika, seven types of Debt reliefholder fraud. First, the false application: Refers to the use of false identities or fraudulent use of another person's identity without the consent of bank Debt relief transactions for goods or services for fraudulent behavior. When confirmed by the Debt relief issuing bank under a transaction, and the Debt reliefholder had never applied for state bank. Debt relief issuers confirmed that the case or the Debt reliefholder information submitted by false application was determined to be false. Prevent fraudulent applications approach: World Financial Network 1. Bank employees should be required to promote nucleophilic applicant identity information, application information and original signatures, to ensure that the identity of the applicant and the application authenticity of the information. 2. Counter generally accepted applications for higher risk. People need to accept network information and verification of citizenship compared with photographs of applicants. Verify applicant identity information is true and nucleophilic accepted only after the original application data. 3. Citizenship verification of information through networking. Personal credit information system, poor information sharing system, the line blacklist system within the self and external system resources. Strict application data review and fraud by repeatedly filing a false application.

4. To strengthen credit verification link in the application of false identification. There was an error of information. Personal information is incorrect or inconsistent information, credit verification process exception, false identification or information, etc., should be focused. Review, determine the applicant's true credit situation. 5. Strengthen the transaction monitoring. After the success of the false application, for the typical sorts of possible problems, such as large open immediately after the consumer Debt relief, frequent cash transactions, shortly after issuing all the contact information are invalid. Should be analyzed as soon as verification points to take timely action maintaining blacklists and other measures. 6. That the same unit or the same Debt relief multiple applicants of the same suspicious Debt reliefs, payment behavior, or past due clients that have had the Debt relief has never been suspected. Counterfeiting applications, should be timely application processing. Credit review, aspects of customer service agents to verify understanding. Points to take timely action to maintain the blacklist, site survey, processing outsourcing and public security measures. World Financial Network. Second, not Dhaka. Submitted to the Debt reliefholder did not receive unopened bank Debt relief or state Debt relief (Debt relief enabled). The Debt relief under the transaction was determined to fraudulent transactions as not Dhaka. Dhaka banks are not risk. Prevention should be run through the Debt relief production, storage, mailing, delivery, activation and other issuers of the link. 1. To strengthen the management of credit Debt relief apply for a link. Typically, the credit Debt relief issuing banks, password functions are basically outsourced mail a unified way. Need for self-created individual letter Debt reliefs and passwords should be required to receive my Debt relief; I receive the Debt relief for non-required to check the registration agent of the valid identity documents. 2. Activate links to strengthen credit risk control. Customer service agent who should be required to open the phone Debt relief to Improve risk awareness. If there are any people in the next prompt, response is not smooth. The information was inconsistent with such exceptions. Not allowed to activate the Debt relief, and requested documents valid ID Debt reliefholders and Debt reliefs to the counter for activation. Third, account theft Refers to the fraudster to obtain some or all of the real Debt reliefholder information, and fake the real Debt reliefholder account information on the Debt relief to make changes in order to achieve the purpose of fraud. To guard against such risks, banks should be on the host system. The Debt reliefholder address, password changes and other sensitive information before the change of information to judge the authenticity of the applicant.Carefully check the customer's application. Must be to ensure that as the prerequisite for the operation of the Debt reliefholder. Fourth, acquiring business business fraud. Shanghu main types of fraud, fraud related to malicious failures, false businesses, washing single, letter, telephone, internet marketing fraud, merchant cash, skimming, Debt relief fraud and other tests. To guard against such risks, first of all ,inspections should be strengthened checks to the businesses, focusing on inspection Shanghu increase or change of business content, the existence of moving machine behavior, with or without access to suspicious devices. Second, we must strengthen the monitoring of business transactions. Merchants pay attention to analysis and comparison of the frequency of transactions and changes. In addition, to enhance the risk of business education and skills training, and effectively guard against acquiring fraud. V. stolen Debt relief: Means without the authorization or consent, fraudulent use of lost or stolen bank Debt relief holders fraudulent transactions.

Debt relief loss reporting line received an application submitted by the Debt reliefholder. The bank Debt relief statement or phone stolen report the loss took effect. The Debt relief transactions that occurred under the stolen Debt relief is identified as fraudulent transactions. To avoid the occurrence of fraud, stolen Debt relief, the Debt relief-issuing banks, mainly to guide the Debt reliefholder should establish the correct Debt relief awareness and self-protection. VI Weika. Means the bank Debt relief format to write the magnetic stripe information, convex (flat) and India forged a real and effective bank Debt relief transaction fraud. Holder has held the bank Debt relief statement, denied that carried out the transactions under the Debt relief number. Or credit Debt relief issuers confirmed that there had never issued the transaction Debt relief account, that is identified as Weika fraud. Weika basic types are: account number generated fraud, "cloned" Debt relief fraud, "white Debt relief" fraud, or altered Debt relief fraud. Seven, the Debt reliefholder fraud. Refers to deny the legitimate Debt reliefholder under their bank Debt relief account transactions. Usually presents two valid bank Debt relief holders to exchange and use in different cities and consume each other's Debt reliefs to create their own illusion of not using bank Debt reliefs. Such fraud is due to moral hazard caused by difficult identification. Bank Debt relief holders should be in good faith based education, to strengthen monitoring efforts brought to dispute the account, through the Economic Investigation Department and other ways to trace.

 1 2 3 4 5