Just who are N.Hunter regards credit and fraud?

majorwally

I recently applied to Tesco Bank for a loan.

I was turned down during the telephone application with no reason.

A couple of days later I received a letter from Tesco saying that after checking my credit with Experien and a CIFAS and N.Hunter fraud check I had been refused.

I immediately got an online credit check and although not perfect, there was no fraudulent activity showing on CIFAS.

The fact that they mentioned N.Hunter in the letter suggests to me that they may have negative data about me or someone in my household. It would appear that even if someone commits fraud in your name, these guys hold it for 6 years during which time you are going to find it impossible to obtain credit, even though normal fraud is left off a year after it's finished.

About 4 years ago, somone tried to obtain a loan using my name and this was on CIFAS, but after I complained that it wasn't my fault and was creating negative credit file, it was removed.

I have checked N.Hunter online and they state that if you want to know what they have about you, you must send them a SAR with £10 and passport and driving licencee as proof.

I have seen many reports of scams, whereby people ask you to send them various items and use them for fraud, so I am reluctant to send anything.

Does anyone have any experience with N.Hunter?

Tixy

National hunter isn't a record of fraud - what it is is a record or what you have put on past credit applications. So when you do a new application n hunter compare that data to what was on your previous file - if there are apparent inconsistencies then this will flag up a warning to the potential lender (its not supposed to be the sole reason for any decline).

Eg if last year you applied for a loan, said your employer was X ltd and you'd worked for them for 2 years and your pay was £15k
And 6months ago you'd applied for a card and said your employer was X ltd and your worked for then for 2.5years and your pay was £18k - that would look 'reasonable'.
But if you then apply for credit and say you work for employer AB Limited and you've worked for them for 4years and your pay if £40k - then thats going to flag up as an issue.

As they say to get the national hunter database then you have to do a subject access request - if something is wrong on there national hunter won't change it - you'd have to go back to the original lender to dispute what you'd put on your form compared to what they'd recorded at national hunter.
I'm not sure about having to send them id proof though but they obviously wouldn't want to send that data out to the wrong person. I'd have thought that if you were on the electoral roll that should have been sufficent for an indentity check but I could be wrong.

chanz4

yup national hunter are about 50 miles from me, its genuine and their office looks like a run down flat

majorwally

Tixy wrote: »

National hunter isn't a record of fraud - what it is is a record or what you have put on past credit applications. So when you do a new application n hunter compare that data to what was on your previous file - if there are apparent inconsistencies then this will flag up a warning to the potential lender (its not supposed to be the sole reason for any decline).

Eg if last year you applied for a loan, said your employer was X ltd and you'd worked for them for 2 years and your pay was £15k
And 6months ago you'd applied for a card and said your employer was X ltd and your worked for then for 2.5years and your pay was £18k - that would look 'reasonable'.
But if you then apply for credit and say you work for employer AB Limited and you've worked for them for 4years and your pay if £40k - then thats going to flag up as an issue.

As they say to get the national hunter database then you have to do a subject access request - if something is wrong on there national hunter won't change it - you'd have to go back to the original lender to dispute what you'd put on your form compared to what they'd recorded at national hunter.
I'm not sure about having to send them id proof though but they obviously wouldn't want to send that data out to the wrong person. I'd have thought that if you were on the electoral roll that should have been sufficent for an indentity check but I could be wrong.

Well, it could be an innocent thing like salary.
If so, why should that keep me from obtaining credit for 6 years.

That's if it is 6 years?
And is it only my name or can it be anyone else in the house?

Apples2

You don't know that was the reason, you already said your credit file is not perfect.