its not us applying for these credit cards?

angelcake

my other half keeps getting letters refusing him for a credit cards and am sure this is going against his credit rating. The thing is it is not him or me applying for these! I am worried ....what can I do?

tigtig

Hi

I would go to either https://www.Experian.co.uk or https://www.equifax.co.uk and have a look at your credit files. If you haven't been to these sites before you should be able to sign up for a 30 day free trial which will enable to see your credit file for free.

The more credit searches on your credit file reduces you credit score. Every time a credit card is applied for then another search is added to your file.

skintchick

Sounds like it could be identity fraud - can you contact the firms involved and explain the situation and see what they advise?

System

If you think you may be a victim of Identity Fraud, I'd go straight to the Police. No messing about.

angelcake

the thing is we think it may be his brother in law, he doesn't get on with him, he is the only person who may have a grudge and who knows his details! what would happen if I contact the credit card companies?

a_choc_2_L8

Hi angelcake,

I would definately take a look at your credit files as advised above. Also have a look at https://www.protectmyidentity.co.uk.

HTH

elona

Angelcake

If you contact the credit card companies and the police because someone is applying for credit in your name - then whatever happens to the person who did this - it is not your fault or your problem.