credit rating SCAM....FRAUD!

sabretoothtigger

Reminds me of someone I used to live next door to, their (adult) stepdaughter setup a credit card in their name and was using it for months before anyone realised. It would be most likely something like that, they'd need access to your mail

BoGoF

Either your PC has pants security and has been 'hacked' or one of your family/friends has done this or you're making it up.

As others have said this would be nigh on impossible to do randomly. If I remember correctly when I registered you had to give details of your last payment to x account and more.

ILW

CreditExpert carries no information that would allow someone to access a bank account.
OP is mistaken or just making it up.

Gromitt

tomba wrote: »

Bank address was obtained from file
NOT MADE UP

Sure? As your banks address isn't contained in your file. A generic address is sometimes included at the bottom of the file for correspondence.

And since your sort code and account number isn't included in your file, how do they know which account? and then you have the telephone banking password, which also isn't included, etc, and the security questions.

I say troll.

tomba wrote: »

if they got me they can get anyone!

Now that just proves it.

alanwsg

I would have thought the bogus account at CreditExpert is part of the hack, rather than the source of the data. I've just looked at my own Experion credit report, it doesn't contain sufficient data to attack anything, really.

I'd suggest scan your PC with www.malwarebytes.org as a first course of action.

Also, as CreditExpert provide identity theft insurance and assistance as part of their service, I'd start being nice to them, you might be needing their help!

pmjenkins

Just checked my Experian report. Although it mentions my full name and date of birth there are only vague references to my bank accounts and credit cards e.g. Lloyds, Barclaycard - no account numbers

ESKIMO

tomba wrote: »

I wasn't sure how to warn you all of how easy it was to be scammed in this way...

Awww, you poor thing! You deserve a Blue Peter badge just for trying!

tomba wrote: »

i thought i was immune to scamming but if they got me they can get anyone!

Omg! Well, if thats the case... we're all doomed!

Thanks for the heads up. :rotfl:

jimjames

Ok, so even if they had all the info on your file AND it included bank details which seems to be in doubt, how did they get your telephone banking password or ID? That for sure isn't part of creditexpert.

While it might be technically possible to do what has been outlined, saying "it was done very easily" is I think a bit of an exageration.

jayship

tomba
I think someone need to forward your comments to Experian so they can investigate your comments and not damage their business reputation.

82much

If you write a cheque to anyone they have your bank details - a/c no and sort code. If you look up electoral rolls you can see how long someone has lived at an address. This information on its own is of little use to anyone, obviously, otherwise we would all be victims of fraud. Someone has got hold (through you and no-one else) your passwords and ID nos.
You need to look closer to home and not be blaming Experian!