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Has someone applied for a loan in my name?
Firstly, hi all! I created an account to ask this question because I'm kind of concerned at this point.
I've just received a phonecall from a company called 'back on track' informing me that I have been declined for a loan. Now, I've never heard to this company nor have a applied for any loans or finance. The guy insisted on trying to ask me a series of 'qualifying questions' regarding my debts (nothing except student loans) and credit ie. phone/electricity bills. He also asked how much my bills were (I didn't tell him). I gave no info apart from to say that I don't want and didn't apply for a loan.
Only now I'm really concerned that someone has applied in my name. I don't know what I can do to find out if this is the case? I assumed the bank can't tell me. I've just signed up for free 30-day trial at CreditExpert to see my credit report, but I have to wait for a pin to arrive through the post (to an address I'm currently away from.)
I'm hoping that it was a bluff and he was just hoping I'd answer the questions and agree to a loan but... Does anyone have any experience with this company? Or know how I can find out if anything is going on?
Sorry for the long post!
I've just received a phonecall from a company called 'back on track' informing me that I have been declined for a loan. Now, I've never heard to this company nor have a applied for any loans or finance. The guy insisted on trying to ask me a series of 'qualifying questions' regarding my debts (nothing except student loans) and credit ie. phone/electricity bills. He also asked how much my bills were (I didn't tell him). I gave no info apart from to say that I don't want and didn't apply for a loan.
Only now I'm really concerned that someone has applied in my name. I don't know what I can do to find out if this is the case? I assumed the bank can't tell me. I've just signed up for free 30-day trial at CreditExpert to see my credit report, but I have to wait for a pin to arrive through the post (to an address I'm currently away from.)
I'm hoping that it was a bluff and he was just hoping I'd answer the questions and agree to a loan but... Does anyone have any experience with this company? Or know how I can find out if anything is going on?
Sorry for the long post!
0
Comments
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The only way to really be sure is to check the 3 CRA's (Experian, Equifax and Call Credit) and see if there have been any credit searches against your name.
Often those are cold calls however simply hoping to lure you into applying for a high interest/pay day loan or to get the "admin fee" from you.0 -
I would ignore it. They are an American outfit calling people randomly to glean information
http://whocallsme.com/Phone-Number.aspx/01788220339/13
Most likely your details regarding your debt (if you had given them) would have ended up with some scumbag CMC vermin.
Companies subject to this recent action:
http://www.bbc.co.uk/news/business-208709670 -
Thanks!
I'm hoping it's just a random cold call & am glad you guys think so too. Glad I didn't give out any info. The call got me pretty spooked haha. 0
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