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Late mother's credit rating
Dalglish
Posts: 194 Forumite
in Credit cards
My late mother's home is currently empty and a number of identically named parcels adn letters have started being mailed to her house.
I would like to check my late mother's credit file to ensure there is no identity theft but I cannot find how to do this with the usual credit reference agencies.
On an unrelated matter, I notified Action Fraud recently when she received a John Lewis voucher, apparently genuine, for visiting the JL website, some 12 months after she died. JL investigated but found no evidence of any fraud (I have never heard of a store rewarding customers for simply visiting their website without purchasing).
Any help welcomed, thank you.
I would like to check my late mother's credit file to ensure there is no identity theft but I cannot find how to do this with the usual credit reference agencies.
On an unrelated matter, I notified Action Fraud recently when she received a John Lewis voucher, apparently genuine, for visiting the JL website, some 12 months after she died. JL investigated but found no evidence of any fraud (I have never heard of a store rewarding customers for simply visiting their website without purchasing).
Any help welcomed, thank you.
0
Comments
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You cannot - despite being deceased, you have no right to check her file. Indeed, when her death was registered the CRA's are also notified so the account is updated and locked (to prevent fraud).
As for the parcels, she may have ordered them, but arrange for their collection.0 -
I googled "credit report of deceased person" and got several useful links."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0
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If you have probate or dealt with her will you can get the credit report.0
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I dont see why you couldnt access her file, the Data Protection Act only covers living people.0
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Thanks to all very reassuring.0
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Also remember that the Data Protection Act only applies to living people. As soon as you are deceased "you" no longer have any protection or rights under it. That said, just because there is no statutory rights/ protection doesnt mean companies are willing to give information out to just anyone.
Once the CRAs know a person is deceased the files should be locked0
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