Arghhhhhhh!!! Cifas Entry On My Credit File!!!!!!

TheAnalyst

I simply cannot bloody believe this!!

After working so hard over the last 18 months to clear up my credit file I have just this evening checked my Experian file to fine a bloody CIFAS catagory 4 (application fraud) marker in someone elses name at my address (well the building not the flat!)



Name used: NOT MY NAME BUT HAVE SEEN MAIL FOR HIM
Date of birth used: 16 December 1980
Address Used: MY BUILDING NUMBER BUT NO FLAT NUMBER
Date information was recorded: 07/08/2008
Members Name: BARCLAYS PAR FIN
Members Address: 10000 ACADEMY PARK, GOWER STREET, GLASGOW, G51 1PR
Case Reference: 08408795A
Product Type: Personal Loan – Unsecured
Type of Case: Application Fraud (Facility Refused) - an application/proposal for any facility with one or more material falsehoods in the information provided - the facility was refused.
Reason for Entry: Refer to CIFAS member



What the hell do I do about this??? I don't know the guy but I have seen mail for him at my address (large old building conveted into flats)

This is going to kill my credit worthyness I have worked so hard to build up! :sad:

MABLE

Calm down. I had the same thing when I moved into my address about 7 years ago a CIFAS entry appeared on my credit file. It related to the former owner of the property. They had tried to take out a loan application with Black Horse. As this was nothing to do with me I get the alert removed with no problem at all.

Give Experian a ring and explain the situation to them.

PROLIANT

Yea, don't worry about it, it will NOT effect your credit rating and it is based on the address not you, I have 3 entries on my files, one because of my sister fudged a bank account application at our parents address, and I have protective registration in my name as I have been a victim of impersonation.

tictax

Both of the previous posters are entirely correct.

A CIFAS stops applications from being automatically accepted. As soon as the person who looks at the application and sees that it is Cat 4 (application had material falsehoods but credit was not issued) and does not apply to you there is nothing to worry about.

I was reading somewhere that de to the amount of credit frauds that the amount of addresses with a CIFAS will continually increase.

James

If you live in a flat then the only really proactive way to protect yourself from ID Theft (Application Fraud) is to consider the following.

Free ID Protection - There are links to media articles on the Home Page.

(Hoping Martin will add this to 'Ones Not To Miss'