1. how widespread is internet fraud?

Internet fraud affects millions of people in Germany and is a widespread everyday risk. One in four people have already been affected by online fraud - and the trend is rising. Fraud cases involving fake stores and fake profiles are particularly common, but scamming and phishing are also widespread. At the same time, there is an information gap when it comes to online security. Although many consumers describe their online behavior as cautious, only a small proportion actively inform themselves about data leaks or current scams. The majority find out about scams by chance or only when they themselves are affected.

2 What damage does Internet fraud cause?

Internet fraud often leads to financial losses that can have tangible consequences for those affected. The latest SCHUFA consumer survey shows that 60 percent of fraud cases result in financial losses of up to thousands of euros. In addition to the financial loss, the loss of sensitive data is also a major factor. Many of those affected lose personal information, confidential access data or financial data. These can be further misused and increase the risk of additional fraud or identity misuse.

3 Why is SCHUFA involved in this?

SCHUFA has been answering one question for almost 100 years: "Can the customer pay?". But Schufa is more than just creditworthiness. In the digital world, it also answers the question: "Does the customer even want to pay?" SCHUFA supports consumers and companies with various solutions for fraud prevention. In the new SCHUFA account, for example: In addition to the new score, we offer IdentSafe Basis, a free tool to check whether your own data has been published on the Internet, Darknet or Deep Web in the past 90 days. During the SCHUFA Protection Weeks, for example, we run a campaign to raise awareness of internet fraud and identity misuse. Identity protection is everyone's business. According to SCHUFA surveys, 26 percent of people in Germany have already been victims of fraud. More than half have suffered financial losses - sometimes in the five-figure range. Our surveys also show that knowledge about Internet fraud is disproportionate to its dangers. That is why we want to provide information about types of fraud, scams, protective measures and assistance.

4 What is the free IdentSafe Basis?

With the free IdentSafe Basis in the SCHUFA account, consumers can use the web version to check whether personal data has been published on the Internet, Darknet or Deep Web in the past 90 days. This includes the following data: E-mail addresses, mobile phone number, IBAN, identity card or passport data. This service shows whether you have been a victim of data theft. As soon as the result of the check is available, you will be informed by e-mail. Users receive the result directly in their SCHUFA account as well as recommendations for action to prevent damage caused by identity theft and misuse in good time.

5. how does mySCHUFA plus help protect my identity?

meineSCHUFA plus helps you to detect identity theft at an early stage and to initiate effective countermeasures. With the help of modern technology, your data is searched for and permanently monitored on the Internet, Deep Web and Darkent. If you suspect that your data has been published unlawfully, you will be informed immediately by e-mail and/or text message. This enables you to react quickly before major damage occurs - a principle that is also central to professional security and identity protection. The earlier you are aware of a suspicion, the better you can limit risks and initiate countermeasures. In addition, experts are available to you via an SOS hotline in the event of an emergency.