Imagine opening your inbox and discovering that someone has used your email address to apply for a loan. No hacked account. No stolen device. Just your email misused. It’s unsettling, and unfortunately, it’s becoming more common.
At Cranfield IT Solutions, we’ve seen a rise in cases like this across East sussex and surrounding areas. So let’s break it down: how this happens, what it means, and how you can protect yourself.
How Can Someone Use My Email Without Hacking It?
It’s easier than you’d think. Many online loan applications don’t verify email ownership before processing. If a fraudster has your name, email, and a few basic details (like address or date of birth), they can impersonate you digitally—without ever accessing your inbox.
Your email might’ve been:
- Exposed in a data breach
- Scraped from a public website or social media
- Guessed or reused from old accounts
What Are the Risks?
- Credit Damage: Fraudulent applications can affect your credit score.
- Financial Liability: You may be chased for loans you never took.
- Emotional Stress: Identity fraud is invasive and exhausting to resolve.
- Future Barriers: Even after resolution, lenders may hesitate to approve legitimate applications.
What Should You Do If It Happens?
Here’s a quick action plan:
- Secure Your Email Account
- Change your password immediately.
- Enable two-factor authentication (2FA).
- Check for suspicious logins or forwarding rules.
- Report the Fraud
- Contact the loan provider and explain the situation.
- Report to Action Fraud UK for a crime reference number.
- Notify your email provider (e.g., ProtonMail) if you suspect a breach.
- Protect Your Identity
- Check your credit report via Experian, Equifax, or TransUnion.
- Flag any suspicious activity.
- Consider registering with Cifas Protective Registration for added security.
- Stay Vigilant
- Avoid using public Wi-Fi for sensitive tasks.
- Shred personal documents before disposal.
- Opt out of the Open electoral roll to reduce data exposure.
🧠 How Cranfield IT Solutions Can Help
We offer:
- Digital Hygiene Checks for home users
- Network & Email Security Audits
- Clear, jargon-free advice tailored to your situation
- Peace of mind, knowing your tech is in trusted hands
Need help or advice?
📞 Call us today or drop us a message—your digital peace of mind starts here.