There's something very valuable these days. I know what you're thinking, money of course. No wait! It's my possessions isn't it? House, car, electronics, gold? No, it's none of them.
The most valuable commodity these days is information, especially your personal details; name, address, mobile number... all of these can be traded and sold by businesses just like any other valuable item.
An example is, you go out, or go online (as you normally do these days) and apply for a loan, you then decide you don't want this loan. So what happens with the details you have given the company? They get saved into the company's database where you applied. After a few hours you will start to receive e-mails from companies you have never heard of, then you'll begin receiving texts and phone calls saying you can be approved for a loan in minutes. These messages and calls come at any time of the day or night and you will probably get them at least three times a day from the same number. Annoying, strange and moreover, totally baffling.
How did they get my number or even know I was looking around for a payday loan?
Only one real explanation, your details have been shared or even sold to other companies. As if that wasn't bad enough there's another reason to be careful with your details. Don't share them on social networking sites and be careful with which company you use. This is how fraudsters get your information and use it for identity theft.
So when you are signing up to a social networking site there are a few things you have to make sure of. Your privacy setting is all set to just friends. So only your friends can see your information, and all the boxes that say, 'share this with these people' 'give this to this company'. Un-tick them!
Watch out for phone applications though, make sure to ask them what the companies' policy is on sharing individuals' details. Hopefully after checking all this you'll get less spam and phone calls coming through. You can have your e-mail address removed if you do receive a lot of spam. The spammer has to provide an unsubscribe link, but by doing this they then know the e-mail address is real and may sell it on. So be careful with your details, better to be safe than sorry.