A little help

looby-loo_2

Do you have a bank account? Is it managed properly? Try them first otherwise

never-in-doubt

This scenario simply wouldn't happen. The worst cases of under agers obtaining credit came from the mobile and catalogue companies - and this practice died a slow death in the 90's. When you're talking about leading international companies such as Capital One then sorry, theres more chance of it snowing on the sun than this being authorised.

Let me explain:

A credit agency stores all personal and financial data about you and part of this report would contain your personal info - this info is triggered by any electoral data given coupled with any searches (applications for credit).

The data is analysed and cross checked against varying FPA's (Fraud agencies) who would immediately pick up on the fraud and thus you'd find a cifas marker against you coupled with 'refer to applicant' on everything you ever applied for on the N Hunter database.

Basically, this is a red light to lenders saying stay away!

The way it all tallies in, your parents would have to complete an electoral registration (proxy form) each year and on this it asks for all adults at the house and any children aged 18 in the next 12 months.

Chances are your lovely parents would complete this form correctly and therefore when you were indeed 17, they'd have had to include you on the proxy as within the next voting year you'd turn 18 meaning you'd be added to the electoral register. This would then have your correct date of birth, as supplied by your parents.

The only exception to this would be if you moved out when you were say 16 and done this, deliberately, yourself - i.e. lied on the proxy form you'd have been sent to your flat?

Either way, to open a bank account you'd need I.D and they would then report to the CRA that your birthday was XX/XX/XXXX which would differ from what you put on the proxy form meaning the bank account would be declined.

Unless you know the system, you can't expect us to be daft enough to believe you. You must be 18. If not then the most you'd have would be a JD account - no way on this earth have you got a Cap1 card at 17. It simply couldn;t happen unless you blatently lied - either way, you've broken the law and if Cap1 find out then expect a knock on your door from the boys in blue (assuming they press for a conviction - fraud is a no-no with credit right now, they are very strict!)

Point is, you either lied to the bank for your bank account, and Cap1 or you had a bank account as a kid and they were not reporting to the CRA as you were a minor, this then led Cap1 to buy the wrong date of birth - however the moment you turn 18, this would be picked up by electoral register thus resulting in you having fraud markers against your credit report.

I simply do not believe your story - and I am actually clued up on how the CRA's work....

jonesMUFCforever

Exactly - a troll!

nick74

This certainly used to be possible, I remember someone from my 6th form group getting accepted for a Barclaycard aged 16 by subtracting 2 years from their DOB. This is going back almost 20 years though, and I thought (or hoped) things would have been tightened up since then. I don't think CIFAS as such existed at the time, but dates of birth of 16 and 17 year olds were shown on the electoral roll even then, so Barclaycard should have known better.

At least if you've paid back all the money and closed the accounts I think it's unlikely the police would take any action, but you can probably forget getting any credit for quite a long time.

rictus123

This is possible. Dont hate me for saying but if say someones been with their bank for a good 6 or 7 years and been working the last year, you have all your payslips as proof of income and address so it shouldnt be too hard to believe going back a year but keeping the same date and month would get overlooked. The amout of people that do this/lie about income/employment etc would be suprising. I wouldnt worry about it, the best thing you could do is dont apply for credit for 12 months and get your credit report which should tell you what cards you are likely to get and go for one of them. Or loan if thats what you are after. How much did you borrow?