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
Benificiary Trace Enquiry
jimjimster
Posts: 2 Newbie
Hello, 
I am a newbie Here so I apologize if this is an incorrect place to post . I have rather troubling entry in my credit file as detailed below , would appricite greatly if any one could help
Hi,
I Recently Thought of Getting My Credit Reports ,
On My Equifax Report there is a Search enquiry by Shop Direct Finance Limited called a "Beneficiary Trace Enquiry" on both my current address and a previous one ,this has been done sometime in November 2015 , looking online it seems to be connected with Littlewoods,
Now interestingly I had an account with them till 2008, when I was abroad for quite a while they had apparently put some buy now pay later debt letters had arrived at home ( I hadn't purchased any items what so ever for a long while- the account should hav been dormant ) they put it in my credit files , after writing a few letters to and fro saying I can prove they weren't mine they apologised ,closed the account and subsequently removed it from my file ( it was only on Equifax if I recall correct) .
I would be greateful to know if this has a connection or what this " Benificiary Trace Enquiry " means?
Thanks
I am a newbie Here so I apologize if this is an incorrect place to post . I have rather troubling entry in my credit file as detailed below , would appricite greatly if any one could help
Hi,
I Recently Thought of Getting My Credit Reports ,
On My Equifax Report there is a Search enquiry by Shop Direct Finance Limited called a "Beneficiary Trace Enquiry" on both my current address and a previous one ,this has been done sometime in November 2015 , looking online it seems to be connected with Littlewoods,
Now interestingly I had an account with them till 2008, when I was abroad for quite a while they had apparently put some buy now pay later debt letters had arrived at home ( I hadn't purchased any items what so ever for a long while- the account should hav been dormant ) they put it in my credit files , after writing a few letters to and fro saying I can prove they weren't mine they apologised ,closed the account and subsequently removed it from my file ( it was only on Equifax if I recall correct) .
I would be greateful to know if this has a connection or what this " Benificiary Trace Enquiry " means?
Thanks
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.6K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards