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not sure what to do

suzzie1
suzzie1 Posts: 6 Forumite
in Debt-free wannabe
I recently had a credit report and it showed a linked address, which wasnt nothing to do with me. I contacted the company who had linked me to that address and they removed it. However I was told that someone has used my details to obtain credit at this address. I have asked for a credit report but I cant get one as its not my address. What can I do next? I am worried that this will effect my credit rating!:(

Comments

  • WRINKLES
    WRINKLES Posts: 817 Forumite
    500 Posts
    suzzie1 wrote: »
    I recently had a credit report and it showed a linked address, which wasnt nothing to do with me. I contacted the company who had linked me to that address and they removed it. However I was told that someone has used my details to obtain credit at this address. I have asked for a credit report but I cant get one as its not my address. What can I do next? I am worried that this will effect my credit rating!:(
    Who told you
    GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING
  • Tixy
    Tixy Posts: 31,455 Forumite
    If your credit report doesn't show any credit accounts that you don't recognise then there is no problem.

    You don't have a different credit report for each address, your report is specific to you as an individual.

    If your report does show an account that is not yours then contact the creditor and dispute it.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • suzzie1
    suzzie1 Posts: 6 Forumite
    Experian representative, he asked if I had applied for any credit in the last two years and I said no, he then said that there were several accounts in my maiden name at the other address.
  • WRINKLES
    WRINKLES Posts: 817 Forumite
    500 Posts
    suzzie1 wrote: »
    I recently had a credit report and it showed a linked address, which wasnt nothing to do with me. I contacted the company who had linked me to that address and they removed it. However I was told that someone has used my details to obtain credit at this address. I have asked for a credit report but I cant get one as its not my address. What can I do next? I am worried that this will effect my credit rating!:(
    If this company told you someone has used your details to obtain credit , i would write to them explaining everything in detail , including how you found out , send this recorded delivery , keep a copy safe , then make a complaint to the police , take all your evidence with you , keep copies of everything .
    GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING
  • suzzie1
    suzzie1 Posts: 6 Forumite
    Is there anything extra that can be seen by credit card companies or mortgage companies that I can't see? Or am I able to see everything?
  • Tixy
    Tixy Posts: 31,455 Forumite
    You are able to see everything (and slightly more) than potential lenders.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    Suzzie1 - if you get back in touch with us and ask to be referred to our victims of fraud team they'll give you specific advice on this. Sounds like someone has certainly been using your ID to get credit so it might be wise to consider some security features, which we will explain.

    James Jones
    “Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
This discussion has been closed.
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