We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Late mother's credit rating

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.

Comments

  • Buzby
    Buzby Posts: 8,275 Forumite
    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.
  • pqrdef
    pqrdef Posts: 4,552 Forumite
    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 Lewis
  • zerog
    zerog Posts: 2,478 Forumite
    If you have probate or dealt with her will you can get the credit report.
  • quailpower
    quailpower Posts: 128 Forumite
    I dont see why you couldnt access her file, the Data Protection Act only covers living people.
  • Dalglish
    Dalglish Posts: 194 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Thanks to all very reassuring.
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    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 locked
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.3K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.