Removing fraudulent defaults/applications from credit file?

tranmereforever

Hiya all,

A few months ago my partner came to the realisation that a number of loans/ credit cards had been set up in her name

Now first things first she should have been checking her credit file and never done that before until she got a letter from a debt collection agency ( at our new address ) contacting her to say that a default has been issued against her for a credit card company ( Santander ) - she has never ever had a credit card in her life

She has checked her credit file and have noticed amongst a lot of applications 9 similar successes for different companies

She has written to the companies advising these were fraudulent and have had responses from some of them and have got a police ref number from action fraud

My question is how does she get these removed from her credit file? Does she write to the credit file companies advising or to the original companies to get them removed?

Is there a timescale in doing this?

Many thanks

Tixy

Hi

Timescale - realistically it could take some months to sort out.

You say she has written to each creditor/company - those that have responded what have they said so far? have they said they are investigating? or said they agree they were fraudulent or what?

She won't get the entries removed until the reporting company have agreed that they were fraudulently opened accounts, and at that point they should do it automatically (although she may need to chase).

Has someone (action fraud?) advised her about possibly adding a notice of correction to her credit files in the short term? Has anyone mentioned CIFAS protective registration to help stop any more such applications being successful?