Unauthorised access of my credit report

muaythaiboxer

ihatecaptcha wrote: »

If the checks were carried out by the firm of estate agents your ex works for, that doesn't prove she carried them out herself. The estate agents might have carried out the checks. Ring their head office and make enquiries -- or have your solicitor do so.

Edit: Maybe your ex applied for a mortgage from the firm of estate agents she works for? Sometimes that's one of the perks of working for an estate agent -- preferential rates on mortgages. If she did, and they ran a credit check on her, then (as Newlywed said) if your files are still associated it would access your file as well as hers.

I was thinking this myself. But it would appear that on my credit reports the searches have been carried out at 2 seperate addresses the first on our old family address that we shared (it would probably fall into the explanation above) But the second was specifically carried out by inputting the address I was living at on my own.

ihatecaptcha

Maybe the estate agents were worried about that outstanding ccj.

Your solicitor is really the best person to ask about these things, although tbh it sounds to me like you may need a better solicitor, if the one you've got doesn't warn you about the consequences of ignoring a ccj, and leaves you to ask on MSE about who can access your credit file.

Nilrem

If the estate agents in question had no professional dealings with the OP, they would have zero legitimate reason to do any credit checks on him.

Indeed it might be a case of misconduct on the part of his ex if she used company equipment/accounts to do such checks for personal reasons (it might even be against the law/TOS under which the credit check service was being provided).

The soliciter is certainly the best person to talk to about it.

Fire_Fox

Write to the head office of the estate agents asking for an explanation of the searches made on given dates.

Anihilator

She's probably trying to decide whether its worth spending cash trying to get her money back.